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21 Washington Street, Fultonville, NY, 12072

4beds
2baths
2,016sqft
$199,000
$99price/sqft
$1,796/moest. monthly cost
$71,840/yrincome needed

About This Home

Step into timeless charm with this spacious 2,000-square-foot home, where character and comfort come together beautifully. This home offers four generously sized bedrooms and large, inviting rooms throughout, providing plenty of space for family living. A classic wraparound porch welcomes you and serves as the perfect spot to enjoy morning coffee, evening sunsets, or gatherings with friends. The detached garage is currently being utilized as a workshop, making it ideal for craftsmen, hobbyists, DIY enthusiasts, or anyone in need of additional workspace and storage. Close to the Thruway-40 minutes to Albany. 5 minutes away from the new Amazon warehouse.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

5/10
6/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1890

Materials

  • Foundation: Stone
  • Roof: Metal
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Electric Oven,Refrigerator
  • Laundry features: Other,In Basement

Basement

  • Has basement: Yes
  • Basement: Sump Pump,Unfinished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Features

  • High Speed Internet,Walk-In Closet(s)
  • Door features: Sliding Doors,Storm Door(s)
  • Flooring: Vinyl,Carpet,Hardwood
  • Finished area below ground: 0
  • Finished area above ground: 2,016

Full Bathroom

  • Level: Second

Half Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Hot Water,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 2,016
  • Total interior livable area: 2,016 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Office

  • Level: First

Other

  • Level: First

Other

  • Level: First

Property

Details

  • Parcel number: 272801 35.2013
  • Special condition: Standard
  • Other equipment: Fuel Tank(s)

Features

  • Patio & porch: Rear Porch,Wrap Around,Awning(s),Deck

Lot

  • Lot size: 0.49 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 4
  • Parking features: Workshop in Garage,Paved,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • 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
Hail
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 $1,006$12,072
Home Insurance *$101$1,212
Property Taxes $356$4,272
Electricity $333$3,997
Total$1,796$21,552
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$61,577/yr
40% on housing$53,880/yr
45% on housing$47,893/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

$99This listing

vs Other Active Listings

Avg $/sqft

ZIP 12072$151
Montgomery County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 12072$150
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
2026-08-08Pending sale$199,000
2026-06-11Listed for sale$199,000
2025-01-28Sold$65,000
2024-11-08Pending sale$79,900
2024-11-01Listed for sale$79,900

For Sale by Agent

AgentJessica Boyd
BrokerageHuck Realty LLC

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