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21 Madison St, Hamilton, NY, 13346

6beds
7baths
4,165sqft
$895,000
$215price/sqft
$7,048/moest. monthly cost
$281,920/yrincome needed

About This Home

A GREAT home located centrally within the village of Hamilton, ready for occupancy. Historical property with many renovations: new heating & cooling system, addition of 5 private baths w/in-flr heating to 5 upstairs BRs (plus 1st flr BR/B.) for a total of 6 ensuites including one on first floor, a high end kitchen (granite counters, Jenn-air refrig & cooktop, ice maker, bev fridge & insinkerator disposal, walk-in pantry), a gas fireplace in formal dining room, restoration of front entry w/elegant staircase, and sprinkling system to the living areas & basement - all making living and entertaining VERY comfortable in this charming property located in the village of Hamilton, home of Colgate University. Close to village green, restaurants, theater & shops! Large village lot, 2 story carriage barn. Constructed 1846+/-, 21 Madison has been used as a church, a secret station in the Underground RR, a town hall & court house for the Village of Hamilton, a hospital and, finally, a private residence. Truly one of Hamilton's finest properties!

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
67
BikeBikeable

Schools

4/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1843

Materials

  • Foundation: Stone
  • Roof: Asphalt,Membrane,Rubber
  • Construction materials: Frame,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic/Antique,Victorian
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Oven,Electric Range,Gas Cooktop,Gas Water Heater,Refrigerator,See Remarks,Wine Cooler,Washer,Water Softener Owned
  • Laundry features: Main Level,Upper Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7
  • Full bathrooms: 6
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Breakfast Bar,Den,Separate/Formal Dining Room,Entrance Foyer,Eat-in Kitchen,Separate/Formal Living Room,Granite Counters,Home Office,Other,See Remarks,Walk-In Pantry,Bath in Primary Bedroom,Main Level Primary,Primary Suite
  • Flooring: Hardwood,Tile,Varies
  • Number of fireplaces: 2
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Gas,Radiant Floor,Steam
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,165
  • Total interior livable area: 4,165 sqft

Property

Details

  • Parcel number: 25320315308300010480000000
  • Special condition: Standard

Features

  • Stories: 3
  • Exterior features: Concrete Driveway

Lot

  • Lot size: 0.77 Acres
  • Features: Residential Lot
  • Lot size dimensions: 122 x 276

Parking

  • Total spaces: 1
  • Parking features: Detached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather
Ice Storm
Strong Wind
Tornado

FEMA Declared Disasters in Madison 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 $4,525$54,300
Home Insurance *$359$4,308
Property Taxes $1,476$17,712
Electricity $688$8,259
Total$7,048$84,576
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$241,645/yr
40% on housing$211,440/yr
45% on housing$187,946/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: 4.8%
4.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 13346$234
Madison County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 13346$194
Madison County$180

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
2026-04-08Price change$895,000
2024-05-21Listed for sale$995,000
2024-05-19Pending sale$995,000
2023-10-23Price change$995,000
2022-10-13Listed for sale$1,495,000
2005-11-10Sold$225,000

For Sale by Agent

AgentSuzanne Martin
BrokerageSuzanne L. Martin R.E., LLC

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