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3196 State Highway 166, Roseboom, NY, 13450

1beds
1baths
2,336sqft
$17,900
$8price/sqft
$488/moest. monthly cost
$19,520/yrincome needed

About This Home

Excellent location along scenic State Highway 166, surrounded by rolling countryside and minutes from Cooperstown and Oneonta. This property offers tremendous potential for those ready to remodel and make it their own. With easy access to local shops, dining, and outdoor recreation, it's an ideal opportunity to invest in a sought-after area known for its charm and community spirit. Bring your vision and creativity--this home is ready for transformation!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Old Style,Traditional
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: None

Basement

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

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,336

Heating & Cooling

  • Heating features: Wood
  • Cooling features: None

Interior Area

  • Total structure area: 2,336
  • Total interior livable area: 2,336 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 365800 102.02126.00
  • Special condition: Standard

Features

  • Exterior features: None

Lot

  • Lot size: 0.36 Acres

Parking

  • Total 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
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
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 $90$1,080
Home Insurance *$8$96
Property Taxes $4$48
Electricity $386$4,632
Total$488$5,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$16,731/yr
40% on housing$14,640/yr
45% on housing$13,013/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

$8This listing

vs Other Active Listings

Avg $/sqft

ZIP 13450$537
Otsego County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 13450$160
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
2026-08-03Price change$17,900
2026-07-28Listed for sale$22,900
2026-07-28Listing removed$22,900
2026-07-22Price change$22,900
2026-07-08Price change$24,900
2026-07-02Price change$27,400
2026-06-26Price change$2,500
2026-06-26Price change$37,400
2026-06-26Price change$2,500
2026-06-26Price change$37,400
2026-06-18Price change$34,900
2026-06-10Listed for sale$39,900
2021-03-24Listing removed--
2019-09-25Sold$1,000
2017-06-27Listing removed$30,000
2017-03-29Listed for sale$30,000
2017-01-31Listing removed$20,000
2016-11-02Listed for sale$20,000
2014-10-06Sold$5,000

For Sale by Agent

AgentMichael R Garvin
BrokerageeXp Realty

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