138 Main St, Worcester, NY, 12197
About This Home
VICTORIAN, TWO FAMILY: GREAT VALUE is here with this fine duplex fully rented month to month. The units are front and rear, while the larger, #1 is the front with 2-3 bedrooms, large Living Room with decorative fireplace, dining room that will accommodate large family gatherings. The 1 bedroom unit to the rear is all first floor living. There is a newly rebuilt front porch, ground level entry in to basement in rear with TWO furnaces. Tenants each pay their own heat, electric, cable, etc. The property is surveyed, a new large 30 x 35 metal barn/garage with high overhead door sets in the back corner of the yard. Ideal for your collectable vehicles, boat, or rental spaces of vehicles, etc. From the home within walking distance is the Post Office, Churches, school and school pool, and only a mile on Main St to stores, fuel, and I-88 interchange, 20 mins Oneonta, Cobleskill, 50 mins Albany, "and beyond". Ideal for first time home owner, live in a unit, let other pay your expenses! Tenants requested no interior photos for privacy, sorry!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1900
Materials
- Foundation: Stone
- Roof: Metal,Shingle
- Construction materials: Other,See Remarks,Wood Siding
Type & Style
- Home type: MultiFamily
- Architectural style: Duplex
- Property subType: Duplex,Multi Family
Interior
Appliances
- Appliances included: Electric Water Heater
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Flooring: Hardwood,Varies
- Number of fireplaces: 2
- Fireplace: Yes
Heating
- Heating features: Propane,Oil,Forced Air
Interior Area
- Total structure area: 2,600
- Total interior livable area: 2,600 sqft
Property
Details
- Parcel number: 215.06115.00
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
Lot
- Lot size: 0.30 Acres
- Features: Rectangular,Rectangular Lot
- Lot size dimensions: 50 x 300
Parking
- Total spaces: 6
- Parking features: Gravel,Parking Available,Two or More Spaces
- Attached garage spaces: 6
- Covered spaces: 6
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
- Inland Flooding
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Otsego County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,107 | $13,284 |
| Home Insurance * | $374 | $4,488 |
| Property Taxes | $281 | $3,372 |
| Electricity | $429 | $5,156 |
| Total | $2,191 | $26,292 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-01-22 | Listed for sale | $169,000 |
| 2022-06-05 | Sold | $80,000 |
| 2022-03-28 | Contingent | $84,900 |
| 2022-03-21 | Listed for sale | $84,900 |
| 2018-12-11 | Listing removed | $72,000 |
| 2018-03-11 | Listed for sale | $72,000 |
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