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689 Thompson Road, Little Falls, NY, 13365

4beds
1baths
3,760sqft
$39,900
$11price/sqft
$901/moest. monthly cost
$36,040/yrincome needed

About This Home

Step back in time with this spacious 1848 Old Style farmhouse situated on 3.5 scenic rural acres in the Dolgeville School District. Offering 3,760 square feet of living space, this 4-bedroom home is filled with character, charm, and endless potential for restoration or customization. The home features over 2,000 square feet on the first floor, generous room sizes, a traditional layout, and plenty of natural light throughout. Outside, enjoy the privacy and open space of the expansive lot, complete with a 2-car attached garage and peaceful country surroundings. Whether you're looking for a primary residence, hobby farm opportunity, or investment project, this property offers a rare chance to own a piece of history with room to make it your own. Private well and septic. Convenient rural location with low taxes and plenty of possibilities for those seeking space, privacy, and country living.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1848

Materials

  • Roof: Shingle,Asphalt
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Old Style
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: None

Basement

  • Has basement: Yes
  • Basement: Partial,Unfinished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: First

Features

  • Finished area below ground: 0
  • Finished area above ground: 3,760

Heating & Cooling

  • Heating features: Hot Water,Oil,Steam
  • Cooling features: None

Interior Area

  • Total structure area: 3,760
  • Total interior livable area: 3,760 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 214600 102.3136
  • Special condition: Corporate Owned

Features

  • Patio & porch: Porch
  • Exterior features: None

Lot

  • Lot size: 3.50 Acres

Parking

  • Total spaces: 4
  • Parking features: Off Street,Attached
  • 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

  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
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 $201$2,412
Home Insurance *$24$288
Property Taxes $55$660
Electricity $621$7,456
Total$901$10,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$30,891/yr
40% on housing$27,030/yr
45% on housing$24,026/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

$11This listing

vs Other Active Listings

Avg $/sqft

ZIP 13365$107
Herkimer County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 13365$104
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
2026-07-29Pending sale$39,900
2026-07-01Price change$39,900
2026-05-27Listed for sale$49,900
1997-07-01Sold$6,600

For Sale by Agent

AgentThomas R Trevett
BrokerageTrevett Group LLC

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