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903 County Highway 3, Unadilla, NY, 13849

3beds
1baths
1,827sqft
$184,900
$101price/sqft
$1,566/moest. monthly cost
$62,640/yrincome needed

About This Home

Step back in time and discover the charm of this classic country farmhouse set on 1.32 acres in the town of Unadilla. Surrounded by lush greenery, this historic home offers character and rural appeal. Encircled by rolling countryside and open skies, the spacious lot features room to relax in a peaceful setting and escape the demands of the busy world. The covered front porch is the perfect place to enjoy a cool breeze on a warm summer evening while enjoying the sounds of nature. The farmhouse, believed to be the oldest remaining DeForest home in historic Deforest Valley, offers opportunity to restore, renovate or simply enjoy its timeless charm. A side deck overlooks a small pond which could be cleaned up and enlarged. A convenient downstairs bedroom may also be used as a den or office if preferred. A generous kitchen looks out to the yard and an ideal place for a garden. In addition to the drilled well, there are rights to a spring located on the neighboring property which supplies water to the hose. High speed internet and phone. Just a short drive to Oneonta and amenities, shopping, dining, and recreation. Minutes from I-88 and easy access to Binghamton.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

4/10
9/10
Unatego Middle SchoolGrades 6-84.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1850

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Oven,Electric Range,Propane Water Heater,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Eat-in Kitchen,Bedroom on Main Level
  • Flooring: Carpet,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Oil
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,827
  • Total interior livable area: 1,827 sqft

Property

Details

  • Parcel number: 36628932200000010060020000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Dirt Driveway,Propane Tank - Leased

Lot

  • Lot size: 1.32 Acres
  • Features: Rectangular,Rectangular Lot
  • Lot size dimensions: 255 x 230

Parking

  • Total spaces: 1
  • Parking features: Carport,Detached,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Carport: 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

  • Cold Wave
    Cold WaveRelatively High
  • 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 $934$11,208
Home Insurance *$94$1,128
Property Taxes $237$2,844
Electricity $301$3,623
Total$1,566$18,792
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,691/yr
40% on housing$46,980/yr
45% on housing$41,760/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

$101This listing

vs Other Active Listings

Avg $/sqft

ZIP 13849$117
Otsego County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 13849$132
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)

No zestimate history available

Price History

DateEventPrice
2026-06-06Listed for sale$184,900

For Sale by Agent

AgentMelissa Klein
BrokerageHoward Hanna

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