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394 Concord Lane, Middletown, NY, 10940

1beds
1baths
735sqft
$151,900
$207price/sqft
$1,323/moest. monthly cost
$52,920/yrincome needed

About This Home

A fantastic opportunity for first time home buyers, downsizers or investors. Step into this freshly painted, well maintained 1 bedroom condo and experience easy living, low maintenance and community perks including pool and clubhouse. Stainless steel stove and dishwasher are only 3 years old, heating unit 7-8 years old. This complex is conveniently located near major highways and shopping. Enjoy parking only a few steps from your front door.This condo is ready for its new owner. Why rent? Don't miss the chance to secure a living space that's truly your own.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

3/10
3/10
Monhagen Middle SchoolGrades 6-81.1 mi
5/10
Middletown High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 1988

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: Condo
  • Architectural style: Other
  • Property subType: Condominium,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Range,Refrigerator,Washer
  • Laundry features: In Unit

Bedrooms & Bathrooms

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

Features

  • First Floor Bedroom,First Floor Full Bath
  • Attic: None
  • Common walls with other units/homes: 1 Common Wall

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 735
  • Total interior livable area: 735 sqft

Property

Details

  • Parcel number: 3309000570000001001.0000123
  • Attached to another structure: Yes
  • Special condition: None

Parking

  • Total spaces: 1
  • Parking features: Assigned,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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Lightning
Strong Wind

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 $768$9,216
Home Insurance *$54$648
Property Taxes $255$3,060
Electricity $246$2,954
Total$1,323$15,876
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,360/yr
40% on housing$39,690/yr
45% on housing$35,280/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

$207This listing

vs Other Active Listings

Avg $/sqft

ZIP 10940$209
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$146,900
2026-06-26Listed for sale$151,900
2017-11-14Sold$37,552
2017-05-25Listing removed$35,000
2017-01-25Price change$35,000
2017-01-11Listed for sale$30,000
2016-11-14Listing removed$41,995
2015-08-25Listed for sale$41,995
2005-09-01Sold$93,840
2003-12-11Sold$71,500
2001-05-10Sold$19,500

For Sale by Agent

AgentCarol Scully
BrokerageKeller Williams Realty

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