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203 Columbia Rd, Sprakers, NY, 12166

6beds
3baths
3,300sqft
$409,000
$124price/sqft
$3,584/moest. monthly cost
$143,360/yrincome needed

About This Home

Here is a Country Hometead that is everything you have been dreaming of. A must see to appreciate. The home features a large Great Room that includes the kitchen, dining and family room with windows overlooking the beautiful distant Cherry Valley Mountains. Excellent Southern exposure- Lovely entrance to a split level concept. The lower level features the Prime Bedroom with full bath, walk-in closet- a separate closet, 2 guest bedrooms, Office, storage Room, another full bath and entrance to the attached garage. The upper level has a great room, living Room , Den and bath with shower. Off the kitchen is a deck leading to an enclosed yard for pets. The home is in excellent condition. Off the garage is a ramp to a full basement. Utilities are in very good condition, new septic installed 4 years ago, furnace been refurbished,electric Hot water Heater ( 3 Yrs.)-Generator Hook-up-Transferable lifetime warranty on windows. Now for the outside pluses- There is a great little Horse stable (26 x 30') with 3 10 x 10' stalls with rubber mats-sliding doors- and a 20 ' storage area for Hay a nice Tack Room and a drive-thru concept for easy care and access to the paddocks. So bring your critters with you. Plenty of room for everyone! Take time to take a peek at this unique property. Quiet Country Road- Easy access to I-90 or Rt. 20. 20 Minutes to Cobleskill (SUNY Campus)-Within an hour of Cooperstown, Saratoga, Capital District- Adridondack Mts. Many things to enjoy.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

5/10
East Hill SchoolGrades PK-56.7 mi
6/10
7/10

Construction

Condition

  • Year built: 1990

Materials

  • Roof: Asphalt
  • Construction materials: Frame,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Oven,Washer,Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Garage,Unfinished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Flooring: Hardwood,Carpet,Tile
  • Finished area above ground: 3,300

Heating & Cooling

  • Heating features: Propane,Forced Air
  • Cooling features: Central

Interior Area

  • Total structure area: 4,924
  • Total interior livable area: 3,300 sqft

Kitchen

  • Features: Open,Tile Counters

Property

Details

  • Parcel number: 112.114.2
  • Lease amount: 0

Features

  • Stories: 2
  • Patio & porch: Open Porch,Deck
  • Fencing: Fenced
  • Frontage length: 0

Lot

  • Lot size: 3.40 Acres
  • Features: Trees

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 $2,068$24,816
Home Insurance *$239$2,868
Property Taxes $732$8,784
Electricity $545$6,544
Total$3,584$43,008
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,880/yr
40% on housing$107,520/yr
45% on housing$95,573/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

$124This listing

vs Other Active Listings

Avg $/sqft

ZIP 12166
Montgomery County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 12166$108
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)

Price History

DateEventPrice
2026-07-11Price change$409,000
2026-06-18Listed for sale$415,900
2025-11-16Listing removed$399,999
2025-08-10Listed for sale$399,999
2025-07-09Listing removed$399,999
2025-06-26Pending sale$399,999
2025-06-25Listed for sale$399,999
2016-09-22Sold$160,000
2016-08-16Pending sale$174,900
2016-07-01Price change$174,900
2016-05-05Price change$209,000
2016-04-08Listed for sale$235,000
2011-07-15Sold$72,000
2011-07-01Listed for sale$99,500
2011-05-09Listing removed$99,500
2011-03-19Listed for sale$99,500

For Sale by Agent

AgentLinda Russell
BrokerageVALLEY VIEW REALTY

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