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202 Main St, Cooperstown, NY, 13326

4beds
5baths
2,232sqft
$475,000
$213price/sqft
$3,528/moest. monthly cost
$141,120/yrincome needed

About This Home

Step into the charm of a bygone era with this beautifully preserved Victorian home, adorned with exquisite gingerbread trim and built in the late 1800s. Lovingly updated and meticulously cared for, this property has welcomed guests as the beloved Main Street B&B for more than 40 years. Its longtime proprietors built a devoted clientele-many returning year after year for the unforgettable, famously indulgent breakfasts. Inside, the home shines with original period details, including stunning natural woodwork and elegant pocket doors in the double living room-an inviting space perfect for gatherings, celebrations, or cozy evenings in. The dining room opens to a vine-draped sitting porch, creating a magical outdoor nook ideal for morning coffee or relaxed evenings with friends and family. Convenience meets comfort on the main level with a full bath, a rear mudroom entry, extra pantry space, and a charming enclosed room that serves as a delightful three-season retreat. Upstairs, you'll find three bedrooms, three bathrooms, and an additional flexible room-perfect for a home office, study, or creative space. A stairway leads to the full attic, offering a generous floored storage area, a half bath, and even more room for a den or studio. The full basement provides abundant storage and workspace, while the spacious two-story carriage barn at the rear of the property includes a two-car garage and an upper level accessible by stairway-ideal for storage, a workshop, or future expansion. The backyard offers a peaceful, open canvas for gardening, play, or outdoor entertaining. Best of all, this enchanting home sits within walking distance of Cooperstown's most treasured attractions, including the Hall of Fame, Otsego Lake, Fenimore Farm, and the Fenimore Art Museum. Ready for its next chapter, this lovingly cared-for Victorian invites you to bring your vision-and enjoy everything Cooperstown has to offer.

Getting Around

67
WalkingSomewhat Walkable
0
TransitVery Limited Transit
59
BikeBikeable

Schools

Construction

Condition

  • Year built: 1893

Materials

  • Roof: Asphalt
  • Construction materials: Frame,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Microwave,Oven,Washer,Water Heater,Stainless Steel Appliances

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Flooring: Hardwood,Carpet,Linoleum
  • Finished area above ground: 2,232

Heating & Cooling

  • Heating features: Oil,Forced Air
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 2,232
  • Total interior livable area: 2,232 sqft

Kitchen

  • Features: Eat-in Kitchen,Tile Counters

Property

Details

  • Parcel number: 115.1822.00
  • Lease amount: 0
  • Special condition: Estate

Features

  • Stories: 2
  • Patio & porch: Covered Porch,Open Porch
  • Frontage length: 0

Lot

  • Lot size: 9,583 sqft

Parking

  • Parking features: Driveway,Detached
  • Has garage: Yes
  • Has uncovered spaces: Yes

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

  • Inland Flooding
    Inland FloodingVery High
  • Cold Wave
    Cold WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Winter Weather
Lightning
Strong Wind
Tornado

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 $2,401$28,812
Home Insurance *$150$1,800
Property Taxes $609$7,308
Electricity $368$4,426
Total$3,528$42,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,960/yr
40% on housing$105,840/yr
45% on housing$94,080/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

$213This listing

vs Other Active Listings

Avg $/sqft

ZIP 13326$234
Otsego County$161

vs Homes Sold Last Month

Median $/sqft

ZIP 13326$259
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
2026-05-05Price change$499,000
2025-11-19Listed for sale$529,000
1995-07-12Sold$49,500

For Sale by Agent

AgentMargaret Savoie
BrokerageDON OLIN REALTY INC

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