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4 Ireland Dr, Fort Johnson, NY, 12070

2beds
2baths
1,122sqft
$149,000
$133price/sqft
$1,404/moest. monthly cost
$56,160/yrincome needed

About This Home

**COMING SOON** Affordable starter home with plenty of potential! The first floor offers a kitchen with appliances, a dining room and living room combination, plus a convenient half bath with laundry hookups. Upstairs features 2 bedrooms, a full bathroom, and a large cedar closet for extra storage. Outside, you'll find a spacious yard with an above-ground pool and a detached 2-car garage with workshop space. The home is currently heated by a wood stove located in the living room. Property will require a cash sale or 203K loan to install a central heating system.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1927

Materials

  • Roof: Asphalt
  • Construction materials: Aluminum Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Oven

Basement

  • Has basement: Yes
  • Basement: Partial,Unfinished

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace features: Wood Burning Stove
  • Fireplace: Yes
  • Finished area above ground: 1,122

Heating

  • Heating features: Other

Interior Area

  • Total structure area: 1,122
  • Total interior livable area: 1,122 sqft

Property

Details

  • Parcel number: 272001038.0070002009.000
  • Lease amount: 0

Features

  • Stories: 2
  • Pool features: Above Ground
  • Frontage length: 0

Lot

  • Lot size: 0.45 Acres

Parking

  • Total spaces: 2
  • Parking features: Detached
  • 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
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Montgomery 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 $753$9,036
Home Insurance *$139$1,668
Property Taxes $266$3,192
Electricity $246$2,954
Total$1,404$16,848
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$48,137/yr
40% on housing$42,120/yr
45% on housing$37,440/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: 6.8%
6.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.5%
3.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$133This listing

vs Other Active Listings

Avg $/sqft

ZIP 12070
Montgomery County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 12070$115
Montgomery County$132

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
2026-05-07Listed for sale$149,000
2011-09-16Sold$26,000
2010-08-03Sold$26,000
2005-12-22Sold$62,280
1996-12-23Sold$52,000

For Sale by Agent

AgentBrent Phetteplace
BrokerageJUDITH ANN REALTY INC

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