34 2nd Street, Waterford, NY, 12188
About This Home
Step into a fantastic investment opportunity in the heart of historic Waterford! This well-maintained duplex blends timeless character with everyday functionality, making it an excellent addition to any investment portfolio or a great option for an owner-occupant looking to offset their mortgage with rental income. Originally built in 1800, this property features two separate up-and-down units with independent utilities, offering flexibility for both investors and homeowners alike. Off-street parking, a fenced yard, public water and sewer, and a convenient location close to local shops, restaurants, parks, and major commuter routes add to the property's appeal. Whether you're expanding your investment portfolio or looking for a versatile multi-family property with income potential, this Waterford duplex is one you won't want to miss!
Getting Around
Somewhat Walkable
Very Limited Transit
Very BikeableSchools
Construction
Condition
- Year built: 1800
Materials
- Construction materials: Wood Siding
Type & Style
- Home type: MultiFamily
- Architectural style: Traditional
- Property subType: Duplex,Multi Family
Interior
Basement
- Has basement: Yes
- Basement: Unfinished
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Finished area below ground: 0
- Finished area above ground: 2,252
Heating
- Heating features: Forced Air
Interior Area
- Total structure area: 2,252
- Total interior livable area: 2,252 sqft
Property
Details
- Parcel number: 415401 291.7927
- Attached to another structure: Yes
- Special condition: Standard
Features
- Exterior features: None
- Fencing: Fenced
Lot
- Lot size: 3,920 sqft
Parking
- Total spaces: 2
- Parking features: Paved
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
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters in Saratoga County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $986 | $11,832 |
| Home Insurance * | $60 | $720 |
| Property Taxes | $206 | $2,472 |
| Electricity | $372 | $4,465 |
| Total | $1,624 | $19,488 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-16 | Listed for sale | $195,000 |
| 2024-09-16 | Sold | $194,000 |
| 2024-06-20 | Pending sale | $184,000 |
| 2024-06-10 | Listed for sale | $184,000 |
| 2013-07-26 | Sold | $27,000 |
| 2013-04-20 | Price change | $25,000 |
| 2012-10-02 | Price change | $59,900 |
| 2012-09-17 | Price change | $64,900 |
| 2012-09-06 | Listed for sale | $69,900 |
| 2000-10-11 | Sold | $87,450 |
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