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1 Maple Lane, Cherry Valley, NY, 13320

3beds
1baths
1,288sqft
$235,000
$182price/sqft
$2,210/moest. monthly cost
$88,400/yrincome needed

About This Home

The perfect country home, in the quintessential neighborhood. This single story home is primed for a new owner. There are 3 bedrooms, an updated kitchen and a large living room. Outside is nicely landscaped and has a deck overlooking the backyard. A quiet get away for entertaining or relaxing. This house has been used for a Arbb to entertain out of towners during baseball season, so this could be a get investment property for the ambitious buyer.

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1950

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Masonite

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Electric Water Heater,Microwave,Refrigerator,Washer/Dryer,Water Softener
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Heated,Unfinished

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Radon System
  • Door features: Storm Door(s)
  • Flooring: Hardwood
  • Finished area below ground: 1,288
  • Finished area above ground: 1,288

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,288
  • Total interior livable area: 1,288 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 362401 58.10159.00
  • Special condition: Standard

Features

  • Exterior features: Garden

Lot

  • Lot size: 0.37 Acres
  • Features: Garden,Landscaped

Parking

  • Total spaces: 4
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Winter Weather

FEMA Declared Disasters in Otsego 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 $1,188$14,256
Home Insurance *$475$5,700
Property Taxes $301$3,612
Electricity $246$2,954
Total$2,210$26,520
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,771/yr
40% on housing$66,300/yr
45% on housing$58,933/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: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 13320$87
Otsego County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 13320$119
Otsego County$153

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
2026-08-14Pending sale$235,000
2026-07-27Price change$235,000
2026-07-06Price change$239,000
2026-06-04Listed for sale$249,000
2022-02-18Sold$215,000
2021-12-11Contingent$235,000
2021-09-23Listed for sale$235,000

For Sale by Agent

AgentSteven R Cirillo
BrokerageBerkshire Hathaway Home Services Blake

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