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7404 Bonney Hill Rd, Hamilton, NY, 13346

3beds
4baths
1,792sqft
$434,900
$243price/sqft
$3,386/moest. monthly cost
$135,440/yrincome needed

About This Home

Located just 2 miles from the heart of the beautiful and historic Village of Hamilton, NY, this classic colonial sits perched on 5 acres with lovely hillside views, a smart floorplan, partially fenced yard, outdoor entertaining area, and more! Inside you'll find an efficient layout- an open kitchen with granite counters and warm wood cabinetry has a dining area, doors to the backyard, and it leads to the comfy family room and it's wood burning fireplace; across the front of the house is a formal living room and formal dining- which has also served as an office. Upstairs you'll find 2 nicely sized guest rooms, a full bath, and a primary suite with attached full bath. The basement offers tremendous potential- with a full bath and lots of space, it could easily be finished for more living or rec space. Outside you'll love the front porch for sunsets and the charming fire pit and shed-bar area for entertaining and relaxing (think Spring!). There's also an attached garage with a mudroom nook entry into the house. You can't beat the combination of quiet country living and easy access to the village, Seven Oaks Golf Course, or Colgate University... Enjoy everything that Hamilton has to offer from this sweet home!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

4/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1999

Materials

  • Foundation: Block
  • Roof: Asphalt,Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Electric Oven,Electric Range,Electric Water Heater,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Full,Walk-Up Access

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Separate/Formal Dining Room,Eat-in Kitchen,Separate/Formal Living Room,Kitchen/Family Room Combo
  • Flooring: Carpet,Hardwood,Luxury Vinyl,Tile,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Oil,Forced Air

Interior Area

  • Total structure area: 1,792
  • Total interior livable area: 1,792 sqft

Property

Details

  • Parcel number: 25328915400000030260130000
  • Special condition: Standard
  • Horse amenities: Horses Allowed

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Open,Porch
  • Exterior features: Blacktop Driveway,Fence
  • Fencing: Partial
  • Horses can be raised: Yes

Lot

  • Lot size: 5.01 Acres
  • Features: Rectangular,Rectangular Lot,Rural Lot
  • Lot size dimensions: 291 x 748

Parking

  • Total spaces: 2
  • Parking features: Attached,Electricity,Garage,Driveway,Garage Door Opener,Other
  • 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
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather
Ice Storm
Strong Wind

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 $2,199$26,388
Home Insurance *$174$2,088
Property Taxes $717$8,604
Electricity $296$3,553
Total$3,386$40,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,091/yr
40% on housing$101,580/yr
45% on housing$90,293/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

$243This listing

vs Other Active Listings

Avg $/sqft

ZIP 13346$232
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
2026-04-15Price change$448,000
2026-02-27Listed for sale$454,900
2025-10-31Listing removed$495,000
2025-05-30Listed for sale$495,000
2004-03-29Sold$235,000
1999-04-02Sold$129,900

For Sale by Agent

AgentHoward Hanna Real Estate, Nicole Donlin
BrokerageHoward Hanna Real Estate

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