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962 County Highway 26, Fly Creek, NY, 13337

4beds
3baths
1,708sqft
$569,000
$333price/sqft
$4,749/moest. monthly cost
$189,960/yrincome needed

About This Home

This beautifully updated home is truly move-in ready and waiting for its next owners. Warm, bright and full of character, the inviting living room features a vaulted beamed ceiling, custom stone walls and built-in bookcases. A convenient patio door provides easy access to outdoor living and a guest bath is conveniently located nearby. The covered second entrance offers a welcome and practical entry into the home. The modern kitchen features upgraded appliances, elegant quartz countertops and an open layout that flows seamlessly into the dining room-perfect for family gatherings and everyday living. A convenient beverage refrigerator keeps your favorite drinks chilled and ready to enjoy. One of the home's most sought-after features is the first floor primary bedroom with an attached full bath. The bathroom includes a washer and dryer for added convenience and provides direct access to a charming side porch with pergola- an ideal spot for morning coffee of evening relaxation. Upstairs, you'll find two spacious bedrooms, a third smaller room that can serve as a bedroom, office or study and an additional full bathroom. The full basement offers abundant storage space, a second full-size washer and dryer and exterior access to the backyard. The over sized two-car garage includes a dedicated workshop area, making it perfect for hobbyists or additional storage needs. At the rear of the home, a deck with a retractable awning provides shade and comfort on warm summer days. The large yard is fully fenced, creating a safe and secure space for children and pets to play. There's plenty of room for outdoor activities, gardening, and relaxation. An additional storage building at he edge of the property offers even more space for lawn equipment and seasonal items. Beautiful hardwood floors throughout enhance the home's warmth and country charm. Located in a lovely, friendly neighborhood, this home is within walking distance of the corner store and just minutes from downtown Cooperstown, offering the perfect combination of convenience, comfort, and small town charm.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1970

Materials

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

Notable Dates

  • Major remodel year: 2022

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 1,708

Heating & Cooling

  • Heating features: Oil,Hot Water
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,708
  • Total interior livable area: 1,708 sqft

Kitchen

  • Features: Open

Property

Details

  • Parcel number: 98.00134.00
  • Lease amount: 0

Features

  • Stories: 2
  • Patio & porch: Open Porch,Deck
  • Exterior features: Outdoor Shower
  • Fencing: Fenced
  • Has view: Yes
  • View description: Scenic
  • Frontage length: 0

Lot

  • Lot size: 1.80 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 $2,877$34,524
Home Insurance *$860$10,320
Property Taxes $730$8,760
Electricity $282$3,387
Total$4,749$56,988
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$162,822/yr
40% on housing$142,470/yr
45% on housing$126,640/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

$333This listing

vs Other Active Listings

Avg $/sqft

ZIP 13337$242
Otsego County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 13337$99
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
2026-07-01Listed for sale$569,000
2021-12-29Sold$400,000
2021-11-08Contingent$399,900
2021-11-01Listed for sale$399,900
2018-12-07Sold$285,000
2018-03-07Sold$20,000
2010-06-28Sold$245,000

For Sale by Agent

AgentMargaret Savoie
BrokerageDON OLIN REALTY INC

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