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134 Ford St, Boonville, NY, 13309

5beds
3baths
2,850sqft
$279,000
$98price/sqft
$2,424/moest. monthly cost
$96,960/yrincome needed

About This Home

Versatile, Spacious & Packed with Updates! This maintained 5-bedroom, 2.5-bath home offers incredible flexibility with a layout that could accommodate a variety of living arrangements. The upper level features a separate entrance, its own kitchen, living room, three bedrooms, and an updated full bath—ideal for extended living, guests, or a rental unit for additional income. The main level offers generous living space, including a primary bedroom addition completed just two years ago and an updated full bath. The Living room has been updated within the last few months. The main kitchen was renovated in 2018, blending modern style with everyday functionality and a large pantry. Major updates add value and peace of mind, including a natural gas furnace that's only three years old, spray foam insulation in the basement and crawl space (installed just one year ago) a new hot water heater, and updated covered rear porches. A base for a future blacktop driveway has already been installed. Per the seller. Outside, you'll find a large detached garage with workshop space, a spacious backyard with room to enjoy the outdoors, and a convenient village location with municipal utilities. This home offers the space, flexibility, and updates that are hard to find—all in one property. The sellers are currently packing. The house uses Natural gas for heat and the garage uses propane.

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

7/10
3/10
Adirondack Middle SchoolGrades 6-80.5 mi
6/10
Adirondack High SchoolGrades 9-120.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Foundation: Poured,Stone
  • Construction materials: Spray Foam Insulation,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Free-Standing Range,Gas Oven,Gas Range,Gas Water Heater,Oven,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Full,Partial

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Breakfast Bar,Entrance Foyer,Eat-in Kitchen,Separate/Formal Living Room,Country Kitchen,Natural Woodwork,Convertible Bedroom,Main Level Primary
  • Flooring: Ceramic Tile,Hardwood,Varies

Heating

  • Heating features: Gas,Baseboard,Electric,Forced Air

Interior Area

  • Total structure area: 2,850
  • Total interior livable area: 2,850 sqft

Property

Details

  • Parcel number: 30260103300500020210000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Balcony,Covered,Porch
  • Exterior features: Blacktop Driveway,Balcony,Gravel Driveway,Propane Tank - Leased

Lot

  • Lot size: 0.53 Acres
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 59 x 395

Parking

  • Total spaces: 4
  • Parking features: Detached,Garage,Workshop in Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
Ice Storm
Lightning
Strong Wind

FEMA Declared Disasters in Oneida County and New York

Flood
Severe Storm
Snowstorm
Winter 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 $1,410$16,920
Home Insurance *$142$1,704
Property Taxes $402$4,824
Electricity $470$5,651
Total$2,424$29,088
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,108/yr
40% on housing$72,720/yr
45% on housing$64,640/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: 3.9%
3.9%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$98This listing

vs Other Active Listings

Avg $/sqft

ZIP 13309$117
Oneida County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 13309$160
Oneida County$152

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
2026-07-08Listed for sale$279,000
2017-06-09Sold$82,000
2017-02-21Listed for sale$89,900
2017-01-07Listing removed$89,900
2016-09-08Price change$89,900
2016-07-27Price change$99,000
2016-07-06Listed for sale$112,000

For Sale by Agent

AgentLynn Szewczyk
BrokerageGentry Realty

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