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3741 State Highway 51, New Lisbon, NY, 13415

2beds
2baths
1,060sqft
$119,900
$113price/sqft
$1,437/moest. monthly cost
$57,480/yrincome needed

About This Home

This quaint 1060 sq. ft. farmhouse has the potential of a charming cottage home with its exposed beams and an open floor plan. Its 6' x 20' covered porch is ideal for seating in rocking chairs to take in the country views. This property also features a 1-1/2 story, 20' x 24' barn and a 20' x 24' equipment shed. This property has undergone multiple changes, which include a septic tank, a rebuilt staircase to the second floor, and the removal of an old garage. This home is conveniently located between Cooperstown, Oneonta, and Adventure Bound Campground-Resort. This home is tenant-occupied. A 48-hour notice to show is preferred.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

5/10
Morris Central SchoolGrades PK-124.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1955

Materials

  • Foundation: Block,Stone
  • Roof: Metal,Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Farmhouse,Historic/Antique
  • Property subType: Farm,Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Electric Water Heater,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Partial,Sump Pump

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1

Features

  • Great Room,Country Kitchen,Kitchen Island
  • Flooring: Carpet,Hardwood,Laminate,Varies,Vinyl

Heating

  • Heating features: Oil,Forced Air

Interior Area

  • Total structure area: 1,060
  • Total interior livable area: 1,060 sqft

Property

Details

  • Parcel number: 173.00121.00
  • Special condition: Standard

Features

  • Patio & porch: Covered,Deck,Porch
  • Exterior features: Dirt Driveway,Deck

Lot

  • Lot size: 0.86 Acres
  • Features: Agricultural,Rectangular,Rectangular Lot
  • Lot size dimensions: 240 x 162

Parking

  • Parking features: No Garage,Shared Driveway

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
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
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 $606$7,272
Home Insurance *$432$5,184
Property Taxes $153$1,836
Electricity $246$2,954
Total$1,437$17,244
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,268/yr
40% on housing$43,110/yr
45% on housing$38,320/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

$113This listing

vs Other Active Listings

Avg $/sqft

ZIP 13415$108
Otsego County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 13415$26
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)

Price History

DateEventPrice
2026-01-18Listed for sale$119,900
2026-01-01Listing removed$119,900
2025-05-05Price change$119,900
2025-01-01Listed for sale$99,900
2024-09-30Listing removed$99,900
2023-12-19Listed for sale$99,900
2023-07-01Listing removed--
2022-10-07Listed for sale$139,900
2021-04-08Sold$110,000

For Sale by Agent

AgentRobin M. Aufmuth
BrokerageKeller Williams Upstate NY Properties

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