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13 Benton Avenue, Middletown, NY, 10940

--beds
--baths
1,450sqft
$395,000
$272price/sqft
$3,048/moest. monthly cost
$121,920/yrincome needed

About This Home

Beautiful Brick Mixed Use Building located in a very desirable area of Middletown. This wonderful building features 3 Units. First unit is Office Space That is great for an accountant, attorney, Real Estate office. Etc. Second Level offers a Spacious 1 Bedroom apartment 3 rd level offers another large 1 bedroom Apartment. Separate Electric and Hot water heaters. Large Parking Lot Second means of egress concrete staircase. Close to all the great restaurants, shops and pubs. Close to All Major highways train station and Bus terminal. Building is in good condition. Great investment opportunity. Must see !!

Getting Around

87
WalkingVery Walkable
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

3/10
5/10
Middletown High SchoolGrades 9-121.1 mi

Construction

Condition

  • Property condition: Actual
  • Year built: 1870

Materials

  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Architectural style: Flats
  • Property subType: Duplex,Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Partial,Unfinished

Features

  • Eat-in Kitchen

Heating & Cooling

  • Heating features: Steam
  • Cooling features: None

Interior Area

  • Total structure area: 1,450
  • Total interior livable area: 1,450 sqft

Property

Details

  • Parcel number: 3309000360000001015.0000000
  • Special condition: None

Lot

  • Lot size: 6,325 sqft

Parking

  • Parking features: Parking Lot

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 FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Winter Weather
Cold Wave
Hurricane
Lightning

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 $1,997$23,964
Home Insurance *$141$1,692
Property Taxes $664$7,968
Electricity $246$2,954
Total$3,048$36,576
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,502/yr
40% on housing$91,440/yr
45% on housing$81,280/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

$272This listing

vs Other Active Listings

Avg $/sqft

ZIP 10940$206
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
2026-08-13Price change$1,500
2026-07-25Listed for rent$1,700
2026-07-02Price change$395,000
2026-06-13Listed for sale$450,000
2015-01-29Sold$120,000
2003-11-26Sold$100,000

For Sale by Agent

AgentJohn N Biasi
BrokerageHoward Hanna Rand Realty

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