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158 Macarthur Rd, Cold Brook, NY, 13324

2beds
0baths
1,170sqft
$119,000
$102price/sqft
$1,075/moest. monthly cost
$43,000/yrincome needed

About This Home

Camp near Hinckley Lake/Grant/Hinckley State Forest with 5 Acres! Very private setting and driveway is over 200 yards in length. 1.5 Mile to Hinckley Day Use State Park, and Snowmobile Trail Corridor C4B (Ohio Ridge Runner Club) is at the end of the driveway! Camp is connected to the Grid, but the original structure has no water and the plumbing is in unknown and questionable condition - original structure will need substantial work. However, there is a concrete septic tank. Camp has a pellet stove, propane wall mount heaters, and about 2 tons of pellets convey with sale. The abandoned dug water Well stopped working many years ago, that was shared among a few camps at the time. Awesome 24'x50' garage built in 1998 with electric and insulated with a working wood stove. Included with sale is a 2010 Blue Ridge 38' 5th Wheel in fair condition. Live in the 5th wheel while you bring the camp back to life! Proximity to the 14,000 Acre Hinckley State Forest, day use State Public Beach, and Trails End Campground/Rockey's On The Lake Restaurant & Boat Launch. Lots of second home potential or make your primary someday! Camp/Boat/Hike/Mtn Bike/Snowmobile - Come and get it!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

8/10
Poland Elementary SchoolGrades PK-56.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1955

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Frame,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: None

Bedroom1

  • Level: First
  • Dimensions: 13.00 x 15.00

Bedroom2

  • Level: First
  • Dimensions: 13.00 x 17.00

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Main level bedrooms: 2

Features

  • Galley Kitchen,Great Room,Workshop
  • Window features: Thermal Windows
  • Flooring: Hardwood,Varies
  • Number of fireplaces: 4
  • Fireplace: Yes

Great Room

  • Level: First
  • Dimensions: 17.00 x 18.00

Heating

  • Heating features: Propane,Wood,Stove,Wall Furnace

Interior Area

  • Total structure area: 1,170
  • Total interior livable area: 1,170 sqft

Property

Details

  • Parcel number: 21448907701100010010000000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Deck,Gravel Driveway,Private Yard,See Remarks
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • Waterfront features: Reservoir in Community
  • Waterbody name: Hinckley Reservoir

Lot

  • Lot size: 5 Acres
  • Features: Irregular Lot,Other,See Remarks
  • Lot size dimensions: 124 x 1315

Parking

  • Total spaces: 2
  • Parking features: Attached,Electricity,Garage,Heated Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Winter Weather

FEMA Declared Disasters in Herkimer County and New York

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $601$7,212
Home Insurance *$64$768
Property Taxes $164$1,968
Electricity $246$2,954
Total$1,075$12,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$36,857/yr
40% on housing$32,250/yr
45% on housing$28,666/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 5.2%
5.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$102This listing

vs Other Active Listings

Avg $/sqft

ZIP 13324$209
Herkimer County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 13324$126
Herkimer County$130

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-17Price change$109,900
2026-07-07Price change$119,000
2026-06-15Price change$129,000
2026-05-18Listed for sale$139,000

For Sale by Agent

AgentDavid J Hoke
BrokerageHoke Properties, LLC

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