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34 Spring Street, Middletown, NY, 10940

4beds
2baths
2,241sqft
$400,000
$178price/sqft
$3,208/moest. monthly cost
$128,320/yrincome needed

About This Home

Welcome to 34 Spring Street, a spacious multi-family property offering a total of 4 bedrooms and 2 full bathrooms. This versatile home presents an excellent opportunity for investors, owner-occupants, or buyers seeking a flexible living arrangement for extended family. Live in one unit while renting the other, or add both residences to your investment portfolio for potential rental income. Each unit offers comfortable living space, a practical layout, and plenty of possibilities to personalize. A standout feature of the property is the full attic, providing valuable additional space that could be arranged as a private home office, workout area, creative studio, hobby room, or additional storage. This flexible area allows you to create a space that complements your lifestyle and everyday needs. Conveniently located near shopping, dining, schools, public transportation, and major roadways, this property provides easy access to everything Middletown has to offer. Whether you are looking to generate rental income, expand your real estate portfolio, or create a flexible multi-generational living arrangement, 34 Spring Street is an opportunity worth exploring. Schedule your private showing today!

Getting Around

75
WalkingVery Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

3/10
5/10
Middletown High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Frame

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex,Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • First Floor Bedroom,Eat-in Kitchen
  • Flooring: Carpet
  • Attic: Finished,Full

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 2,241
  • Total interior livable area: 2,241 sqft

Property

Details

  • Parcel number: 3309000400000005024.0000000
  • Special condition: None

Lot

  • Lot size: 8,778 sqft

Parking

  • Parking features: Driveway,Off Street
  • 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

  • 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 $2,022$24,264
Home Insurance *$143$1,716
Property Taxes $673$8,076
Electricity $370$4,444
Total$3,208$38,496
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,988/yr
40% on housing$96,240/yr
45% on housing$85,546/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

$178This 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
2026-08-07Listed for sale$400,000
2001-07-18Sold$61,100
2001-03-09Sold$104,000
1994-09-28Sold$50,000

For Sale by Agent

AgentKerri F Stretch
BrokerageHoward Hanna Rand Realty

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