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1209 3rd Avenue, Schenectady, NY, 12303

5beds
4baths
2,547sqft
$395,000
$155price/sqft
$3,268/moest. monthly cost
$130,720/yrincome needed

About This Home

Renovated Triplex in convenient location near Crane St. Renovations done to kitchens, baths,flooring,and lighting. First floor unit has access to newly finished basement with W/D and bar area and full bath. First and 2nd floor units have good-size bedrooms (king to queen beds),and lots of closet space. 3rd floor unit is an efficiency with two large rooms and bath. One room can be separated to make two smaller rooms. Plenty of parking with long private drive, garage, and access to back yard from an alley. Perfect for secure tenant parking. Private front entrances for 1st and 2nd floor. Plenty of natural light in all units. A truly unique property.

Getting Around

66
WalkingSomewhat Walkable
33
TransitSome Transit
50
BikeBikeable

Schools

2/10
2/10
3/10
Schenectady High SchoolGrades 9-122.3 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1900

Materials

  • Foundation: Block
  • Roof: Slate
  • Construction materials: Aluminum Siding,Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Architectural style: Traditional
  • Property subType: Triplex,Multi Family

Interior

Appliances

  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Finished,Full,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Ceiling Fan(s),Walk-In Closet(s),Ceramic Tile Bath
  • Window features: Curtain Rods,Drapes
  • Flooring: Wood,Carpet,Ceramic Tile,Laminate
  • Finished area below ground: 1,062
  • Finished area above ground: 2,547

Heating & Cooling

  • Heating features: Electric,Radiant,Steam,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 2,547
  • Total interior livable area: 2,547 sqft

Property

Details

  • Parcel number: 421500 49.46515
  • Attached to another structure: Yes
  • Zoning description: Multi Residence
  • Special condition: Standard

Features

  • Patio & porch: Covered,Enclosed,Front Porch
  • Exterior features: None
  • Fencing: Privacy,Wood,Back Yard,Chain Link,Gate
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 7,840 sqft
  • Features: Level,Road Frontage

Parking

  • Total spaces: 3
  • Parking features: Other,Paved,Detached,Driveway,Garage
  • 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

  • Lightning
    LightningModerate

How This Home’s Risks Compare

Lightning

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 $1,997$23,964
Home Insurance *$154$1,848
Property Taxes $697$8,364
Electricity $420$5,050
Total$3,268$39,216
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,045/yr
40% on housing$98,040/yr
45% on housing$87,146/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

$155This listing

vs Other Active Listings

Avg $/sqft

ZIP 12303$174
Schenectady County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 12303$200
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
2026-07-26Price change$395,000
2026-06-25Listed for sale$399,000
2025-05-02Listing removed$379,000
2025-03-31Pending sale$379,000
2025-03-27Listed for sale$379,000
2024-10-30Listing removed--
2024-08-11Listed for sale$395,000
2018-06-20Sold$36,383
2018-04-17Listed for sale$38,500
2004-09-17Sold$89,610

For Sale by Agent

AgentDeborah L Fontes
BrokerageMohawk Valley Realty Ventures LLC

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