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513 Fairground Rd, West Winfield, NY, 13491

4beds
2baths
2,124sqft
$215,000
$101price/sqft
$1,902/moest. monthly cost
$76,080/yrincome needed

About This Home

Opportunity awaits in this classic 1948 two-story Colonial offering 2,124 square feet of living space. Situated on a desirable corner lot at Fairground Rd and Fairview Drive, this property provides a strong foundation for customization and value enhancement. The home features 4 bedrooms and 1.5 bathrooms, with a traditional layout that offers flexibility for a variety of living arrangements. A spacious living area, formal dining space, and generous room sizes throughout create a solid canvas for updates and improvements. Exterior highlights include a large, fully fenced backyard—ideal for outdoor enjoyment, entertaining, or future landscaping projects. The property also includes a 2-stall garage, providing ample space for parking and storage. Conveniently located on the same street as Mount Markham Central School, this property offers easy access to nearby amenities, roadways, and community resources. With its classic structure, corner lot setting, and strong potential, this home is a great opportunity for those looking to invest, renovate, or make it their own.

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

7/10
3/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1948

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Attic/Crawl Hatchway(s) Insulated,Blown-In Insulation,Block,Frame,Concrete,Spray Foam Insulation,Structural Insulated Panels,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial,Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Breakfast Area,Den,Separate/Formal Dining Room,Pantry
  • Flooring: Hardwood,Laminate,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Oil,Forced Air

Interior Area

  • Total structure area: 2,124
  • Total interior livable area: 2,124 sqft

Property

Details

  • Parcel number: 21560113703100010160000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Blacktop Driveway

Lot

  • Lot size: 0.26 Acres
  • Features: Corner Lot,Rectangular,Rectangular Lot
  • Lot size dimensions: 90 x 125

Parking

  • Total spaces: 2
  • Parking features: Attached,Electricity,Garage
  • 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 FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Ice Storm
Lightning
Strong Wind
Tornado

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 $1,087$13,044
Home Insurance *$167$2,004
Property Taxes $297$3,564
Electricity $351$4,212
Total$1,902$22,824
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,211/yr
40% on housing$57,060/yr
45% on housing$50,720/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

$101This listing

vs Other Active Listings

Avg $/sqft

ZIP 13491$89
Herkimer County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 13491$74
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)

Price History

DateEventPrice
2026-04-29Listed for sale$215,000
1999-08-30Sold$70,000

For Sale by Agent

AgentShawn Schmidt
BrokerageBerkshire Hathaway Home Services CNY

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