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7402 State Highway 10, Canajoharie, NY, 13317

2beds
1baths
1,032sqft
$129,900
$126price/sqft
$1,215/moest. monthly cost
$48,600/yrincome needed

About This Home

Country charm meets opportunity! This 2 bedroom home sits on a quarter-acre lot and features hardwood floors and exposed wood beams that add warmth and rustic character throughout. Step outside to a barn in the backyard ideal for storage or workshop space potential. Enjoy the fruit from mature apple and peach trees while taking in the quiet, scenic countryside setting.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
East Hill SchoolGrades PK-54.7 mi
6/10
6/10

Construction

Condition

  • Year built: 1850

Materials

  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Old Style
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Microwave,Range,Refrigerator,Washer/Dryer
  • Laundry features: In Bathroom

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Features

  • Flooring: Vinyl,Hardwood,Laminate
  • Fireplace features: Pellet Stove
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,032

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Oil,Pellet Stove
  • Cooling features: None

Interior Area

  • Total structure area: 1,032
  • Total interior livable area: 1,032 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 272201 109.15113
  • Special condition: Standard
  • Other equipment: Fuel Tank(s)

Features

  • Patio & porch: Deck

Lot

  • Lot size: 0.25 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • Has uncovered spaces: Yes

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
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Hail
Landslide
Lightning
Strong Wind
Winter Weather

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 $656$7,872
Home Insurance *$81$972
Property Taxes $232$2,784
Electricity $246$2,954
Total$1,215$14,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,657/yr
40% on housing$36,450/yr
45% on housing$32,400/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

$126This listing

vs Other Active Listings

Avg $/sqft

ZIP 13317$98
Montgomery County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 13317$122
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
2026-05-07Price change$149,500
2026-05-01Price change$159,500
2026-04-22Listed for sale$165,000
2022-05-05Sold$65,000
2022-03-11Pending sale$74,900
2022-02-25Listed for sale$74,900

For Sale by Agent

AgentKatrina F Ruberti
BrokerageHoward Hanna Capital Inc

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