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17 State Street, Middletown, NY, 10940

2beds
1baths
894sqft
$339,000
$379price/sqft
$2,651/moest. monthly cost
$106,040/yrincome needed

About This Home

Welcome to 17 State St, a fully updated, energy-efficient detached home offering modern smart-home features and exceptional flexibility. The bright main level features central air, smart climate control, a beautifully tiled bathroom, custom window blinds with a transferable lifetime warranty, and an updated kitchen with premium stainless-steel appliances, including a brand-new smart refrigerator. The finished lower level provides expansive heated-and-cooled bonus space with dual mini-split systems and baseboard heat, making it ideal for a recreation room, home office, gym, guest space, or other flexible uses. Additional upgrades include solar panels, a built-in security system hookup, and an upgraded 240V electrical panel that's EV-ready. Outside, enjoy an extended driveway with ample off-street parking and a fully fenced backyard featuring a concrete patio, fire pit, and a brand-new storage shed. Completely move-in ready, this home combines modern efficiency with versatile living spaces in a convenient Middletown location.

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

3/10
3/10
Monhagen Middle SchoolGrades 6-81.1 mi
5/10
Middletown High SchoolGrades 9-122.1 mi

Construction

Condition

  • Property condition: Actual
  • Year built: 1950

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Range,Microwave,Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: Washer/Dryer Hookup,In Basement

Basement

  • Has basement: Yes
  • Basement: Bilco Door(s),Finished,Full,Storage Space

Bathroom1

  • Level: First

Bedroom2

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Bonus Room

  • Level: Basement

Family Room

  • Level: First

Features

  • First Floor Bedroom,First Floor Full Bath,Smart Thermostat,Storage
  • Flooring: Ceramic Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Decorative,Family Room
  • Fireplace: Yes
  • Attic: Pull Stairs,Storage

Heating & Cooling

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

Interior Area

  • Total structure area: 894
  • Total interior livable area: 894 sqft

Laundry

  • Level: Basement

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 3309000330000011007.0000000
  • Special condition: None
  • Exclusions: Vivant Security System,Tesla Charger,TVs,& Black Charging Box

Features

  • Patio & porch: Patio
  • Fencing: Back Yard,Wood

Lot

  • Lot size: 5,000 sqft

Parking

  • Parking features: Driveway,Electric Vehicle Charging Station(s)
  • 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

  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hurricane
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Orange County and New York

Fire
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 $1,714$20,568
Home Insurance *$121$1,452
Property Taxes $570$6,840
Electricity $246$2,954
Total$2,651$31,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,891/yr
40% on housing$79,530/yr
45% on housing$70,693/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: -1.9%
-1.9%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.6%
-2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$379This listing

vs Other Active Listings

Avg $/sqft

ZIP 10940$207
Orange County$275

vs Homes Sold Last Month

Median $/sqft

ZIP 10940$233
Orange County$263

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
2026-07-23Listed for sale$339,000
2024-04-10Sold$295,000
2024-02-12Pending sale$295,000
2023-12-01Price change$295,000
2023-11-06Listed for sale$320,000
2023-11-01Listing removed--
2023-06-01Price change$340,000
2023-03-07Listed for sale$350,000
2021-01-15Listing removed--
2020-10-27Listed for sale$200,000
2020-07-22Sold$75,365
2020-04-04Listed for sale$84,000
2019-03-27Listing removed$59,000
2019-03-21Listed for sale$59,000
2018-05-08Sold$142,581
2018-03-09Listed for sale--
2010-09-24Listing removed$129,900
2010-09-17Listed for sale$129,900
2010-08-13Listing removed$129,900
2010-04-09Price change$129,900
2010-01-11Listed for sale$139,900
2004-11-09Sold$135,000

For Sale by Agent

AgentOlivia T. Torres
BrokerageeXp Realty

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