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137 Front Street APT 208, Schenectady, NY, 12305

1beds
1baths
709sqft
$189,900
$268price/sqft
$1,674/moest. monthly cost
$66,960/yrincome needed

About This Home

Rare opportunity to own a beautifully remodeled 1 bedroom, 1 bath condo in the heart of Schenectady's historic Stockade District. Located on the second floor of an elevator-serviced building of a 1920's era converted school, this unit offers modern updates while surrounded by timeless character. Enjoy low-maintenance living with amenities including an inground pool, off-street parking, and dedicated basement storage. Set just steps from the Mohawk River, restaurants, and downtown Schenectady, the Stockade is known for its walkability and rich history with homes dating back centuries.

Getting Around

71
WalkingVery Walkable
48
TransitSome Transit
60
BikeBikeable

Schools

4/10
Yates Elementary SchoolGrades PK-51.5 mi
3/10
Oneida Middle SchoolGrades 6-81.6 mi
3/10
Schenectady High SchoolGrades 9-121.8 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1980

Materials

  • Construction materials: Brick

Type & Style

  • Home type: Condo
  • Property subType: Condominium,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Microwave,Refrigerator,Washer/Dryer

Basement

  • Basement: None

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: Second

Features

  • High Speed Internet,Walk-In Closet(s),Built-in Features,Ceramic Tile Bath
  • Flooring: Carpet,Ceramic Tile,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 709

Full Bathroom

  • Level: Second

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 709
  • Total interior livable area: 709 sqft

Kitchen

  • Level: Second

Living Room

  • Level: Second

Property

Details

  • Parcel number: 421500 39.552208
  • Special condition: Standard

Features

  • Pool features: In Ground
  • Exterior features: Lighting
  • Has view: Yes

Lot

  • Lot size: 435.60 sqft
  • Features: Level,Views

Parking

  • Total spaces: 2
  • Parking features: Off Street,Paved,Driveway
  • 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
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm

FEMA Declared Disasters in Schenectady County and New York

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 $960$11,520
Home Insurance *$133$1,596
Property Taxes $335$4,020
Electricity $246$2,954
Total$1,674$20,088
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,394/yr
40% on housing$50,220/yr
45% on housing$44,640/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: -3.1%
-3.1%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$268This listing

vs Other Active Listings

Avg $/sqft

ZIP 12305$153
Schenectady County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 12305$80
Schenectady County$188

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
2026-04-22Listed for sale$189,900
2021-01-28Sold$86,500
2020-10-24Pending sale$109,900
2020-10-13Listed for sale$109,900

For Sale by Agent

AgentKevin Clancy
BrokerageClancy Real Estate

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