12 Windsor Ter, Utica, NY, 13501
About This Home
Spacious Colonial in the New Hartford Central School District! This home offers four bedrooms—including a convenient first-floor bedroom—and two full bathrooms, providing flexible living options. Hardwood floors enhance the living room, dining room, and the upstairs bedrooms. A charming double-sided fireplace connects the living room and den, creating a warm, inviting atmosphere perfect for both relaxing and entertaining. Enjoy the comfort of the expansive attached sunroom overlooking a private backyard—ideal for morning coffee or evening unwinding. Additional highlights include a generous two-car attached garage and a clean, dry basement offering excellent storage space. Situated in a desirable neighborhood close to shopping, dining, and everyday conveniences, this home combines comfort, character, and location—ready for its next chapter!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1945
Materials
- Foundation: Block
- Roof: Asphalt,Metal
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Built-In Range,Built-In Oven,Dryer,Dishwasher,Electric Cooktop,Disposal,Gas Water Heater,Indoor Grill,Microwave,Refrigerator,Washer
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Partial,Sump Pump
Bedroom1
- Level: First
- Dimensions: 19.00 x 9.00
Bedroom2
- Level: Second
- Dimensions: 16.00 x 11.00
Bedroom3
- Level: Second
- Dimensions: 10.00 x 10.00
Bedroom4
- Level: Second
- Dimensions: 14.00 x 10.00
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 1
Den
- Level: First
- Dimensions: 21.00 x 14.00
Dining Room
- Level: First
- Dimensions: 14.00 x 11.00
Features
- Den,Eat-in Kitchen,French Door(s)/Atrium Door(s),Pantry,Pull Down Attic Stairs,Sliding Glass Door(s),Skylights,Natural Woodwork,Bedroom on Main Level
- Door features: Sliding Doors
- Window features: Skylight(s),Thermal Windows
- Flooring: Carpet,Hardwood,Tile,Varies,Vinyl
- Number of fireplaces: 2
- Fireplace: Yes
- Attic: Pull Down Stairs
Heating & Cooling
- Heating features: Gas,Other,See Remarks,Forced Air
- Cooling features: Other,See Remarks,Central Air
Interior Area
- Total structure area: 2,284
- Total interior livable area: 2,284 sqft
Kitchen
- Level: First
- Dimensions: 20.00 x 12.00
Living Room
- Level: First
- Dimensions: 17.00 x 13.00
Other
- Level: First
- Dimensions: 16.00 x 13.00
Property
Accessibility
- Accessibility features: Low Threshold Shower
Details
- Parcel number: 30488932902000070290000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Patio,Porch,Screened
- Exterior features: Blacktop Driveway,Fence,Porch,Patio
- Fencing: Partial
Lot
- Lot size: 10,554 sqft
- Features: Irregular Lot,Residential Lot
- Lot size dimensions: 75 x 140
Parking
- Total spaces: 2
- Parking features: Attached,Electricity,Garage,Storage,Garage Door Opener
- 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
- Strong Wind
- Winter Weather
- Cold Wave
- Inland Flooding
- Ice Storm
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters in Oneida County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,617 | $19,404 |
| Home Insurance * | $176 | $2,112 |
| Property Taxes | $461 | $5,532 |
| Electricity | $377 | $4,529 |
| Total | $2,631 | $31,572 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-12 | Price change | $319,900 |
| 2026-04-15 | Listed for sale | $339,900 |
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