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14101 Thomas Rd, Harrisville, NY, 13648

2beds
1baths
1,400sqft
$220,000
$157price/sqft
$1,712/moest. monthly cost
$68,480/yrincome needed

About This Home

This 1400 square foot single family home has 2 bedrooms and 1.0 bathrooms. This home is located at 14101 Thomas Rd, Harrisville, NY 13648.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1820

Materials

  • Foundation: Piers
  • Roof: Metal
  • Construction materials: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dryer,Freezer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Tile,Hardwood

Heating & Cooling

  • Heating features: Forced air,Oil
  • Cooling features: Refrigerator

Interior Area

  • Total interior livable area: 1,400 sqft

Property

Details

  • Parcel number: 232400018000312000

Features

  • Exterior features: Other,Vinyl,Wood products,Metal
  • Has view: Yes
  • View description: Water,Mountain
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes

Lot

  • Lot size: 1.50 Acres

Parking

  • Total spaces: 20
  • Parking features: Garage - Detached

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
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Winter Weather
Cold Wave
Lightning
Strong Wind

FEMA Declared Disasters in Lewis County and New York

Flood
Hurricane
Severe Storm
Snowstorm
Straight Line Winds
Tornado
Tropical Storm
Winter 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 $1,112$13,344
Home Insurance *$100$1,200
Property Taxes $254$3,048
Electricity $246$2,954
Total$1,712$20,544
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,697/yr
40% on housing$51,360/yr
45% on housing$45,653/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: 3.2%
3.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$157This listing

vs Other Active Listings

Avg $/sqft

ZIP 13648$207
Lewis County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 13648
Lewis County$166

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
2026-07-25Price change$220,000
2026-06-28Listed for sale$250,000
2021-03-24Listing removed--
2018-07-10Listing removed$5,500
2018-04-17Listed for sale$5,500
1994-10-17Sold$10,000

For Sale by Owner

AgentProperty Owner

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