




158 Cross Rd, Otego, NY, 13825
About This Home
Welcome to 158 Cross Road in Otsego — where space, privacy, and versatility come together on 8.3 beautiful acres. This 2,468 square foot raised ranch offers the kind of layout and setting that’s hard to find. Set back from the road and surrounded by open land and woods, the property delivers both peaceful country living and the flexibility to truly spread out. Inside, you’ll find 3 bedrooms and 2 full bathrooms, with a spacious and functional floor plan designed for comfortable everyday living. The main level features generous living areas filled with natural light, creating an inviting atmosphere perfect for gathering with family or hosting guests. The raised ranch design provides excellent separation of space, with additional finished areas on the lower level ideal for a family room, recreation area, home office, or guest space. The attached one-stall garage located under the home offers convenience and protection from the elements year-round. In addition, the property boasts an impressive detached 3-stall garage — a rare and valuable feature. Whether you need space for vehicles, equipment, hobbies, storage, or a workshop, this building provides endless possibilities for contractors, car enthusiasts, or anyone needing serious extra space. Step outside and enjoy the full 8.3 acres of usable land. The open acreage offers room for gardens, recreation, small livestock, or simply enjoying the privacy and scenic views that Otsego County is known for. There’s plenty of room to roam, entertain, or expand — all while being just a short drive to Cooperstown, Oneonta, and surrounding amenities. If you’ve been searching for a well-sized home with acreage, multiple garage spaces, and the flexibility to fit your lifestyle, 158 Cross Road is the opportunity you’ve been waiting for.
Getting Around
Schools
Construction
Condition
- Property condition: Resale
- Year built: 1976
Materials
- Foundation: Block
- Roof: Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Raised Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Water Heater,Free-Standing Range,Oven,Refrigerator
- Laundry features: Main Level
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
Features
- Eat-in Kitchen,Separate/Formal Living Room,Other,See Remarks
- Flooring: Carpet,Varies
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area below ground: 500
Heating
- Heating features: Electric,Baseboard
Interior Area
- Total structure area: 2,468
- Total interior livable area: 2,468 sqft
Property
Details
- Parcel number: 36348925500000020500000000
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Exterior features: Blacktop Driveway
Lot
- Lot size: 8.03 Acres
- Features: Irregular Lot,Rural Lot
- Lot size dimensions: 632 x 0
Parking
- Total spaces: 4
- Parking features: Underground,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
- Cold Wave
- Inland Flooding
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Otsego 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 | $2,017 | $24,204 |
| Home Insurance * | $152 | $1,824 |
| Property Taxes | $512 | $6,144 |
| Electricity | $407 | $4,894 |
| Total | $3,088 | $37,056 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-02-18 | Listed for sale | $419,900 |
