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31 Lumber Street, Pt Jervis, NY, 12771

--beds
--baths
2,552sqft
$320,000
$125price/sqft
$2,705/moest. monthly cost
$108,200/yrincome needed

About This Home

Renovated 2 family. Separate utilities. 3BR upstairs, 2BR downstairs. Rent out both for investment or live in one and have your other tenant help with the mortgage.

Getting Around

72
WalkingVery Walkable
0
TransitVery Limited Transit
53
BikeBikeable

Schools

4/10
5/10
5/10

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Features

  • Eat-in Kitchen

Heating & Cooling

  • Heating features: Natural Gas,Hot Water
  • Cooling features: None

Interior Area

  • Total structure area: 2,552
  • Total interior livable area: 2,552 sqft

Property

Details

  • Parcel number: 3313000170000007018.0000000
  • Special condition: None

Lot

  • Lot size: 5,001 sqft
  • Features: Level

Parking

  • Total spaces: 4
  • Parking features: Detached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
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 $1,618$19,416
Home Insurance *$128$1,536
Property Taxes $538$6,456
Electricity $421$5,060
Total$2,705$32,460
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,742/yr
40% on housing$81,150/yr
45% on housing$72,133/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

$125This listing

vs Other Active Listings

Avg $/sqft

ZIP 12771$219
Orange County$275

vs Homes Sold Last Month

Median $/sqft

ZIP 12771$209
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)

No zestimate history available

Price History

DateEventPrice
2026-08-04Pending sale$320,000
2026-07-27Price change$320,000
2026-07-22Price change$289,900
2026-07-20Price change$269,900
2024-08-10Price change$219,900
2024-07-10Price change$225,000
2024-04-30Listed for sale$210,000
2024-01-12Pending sale$210,000
2023-11-06Price change$210,000
2023-09-30Price change$215,000
2023-09-22Price change$219,000
2023-09-15Listed for sale$220,000
2019-04-30Sold$8,669

For Sale by Agent

AgentKaran Garewal
BrokerageWinwin Realty

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