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1047 Bridge Street, Schenectady, NY, 12303

3beds
2baths
1,506sqft
$250,000
$166price/sqft
$2,050/moest. monthly cost
$82,000/yrincome needed

About This Home

🏡 Perched above it all on a quiet dead-end street, this 3-bedroom, 2-bath gem offers the peace and privacy you've been searching for, with all the conveniences you need. Dream about parking? You've got a massive 2-car garage PLUS tons of off-street parking, pull right onto your brand new driveway! And inside? Many things been done for you. Newer furnace. Newer appliances. New windows. And yes, first floor laundry. That's the kind of everyday convenience that makes a real difference. ✨ BONUS: This home qualifies for KeyBank's $5,000 buyer credit; ask me how you could put that money back in your pocket!

Getting Around

59
WalkingSomewhat Walkable
41
TransitSome Transit
23
BikeSomewhat Bikeable

Schools

2/10
Pleasant Valley SchoolGrades PK-50.2 mi
2/10
3/10
Schenectady High SchoolGrades 9-121.9 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1920

Materials

  • Foundation: Brick/Mortar,Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Aluminum Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dryer,Gas Oven,Gas Water Heater,Oven,Range,Range Hood,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,In Basement,Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Features

  • Ceramic Tile Bath
  • Door features: Storm Door(s)
  • Flooring: Laminate
  • Finished area below ground: 0
  • Finished area above ground: 1,506

Full Bathroom

  • Level: First

Full Bathroom

  • Level: Second

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,506
  • Total interior livable area: 1,506 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 421500 49.4826.1
  • Special condition: Standard

Features

  • Patio & porch: Rear Porch,Front Porch
  • Exterior features: Other

Lot

  • Lot size: 9,583 sqft
  • Features: Level,Road Frontage,Cleared,Corner Lot,Irregular Lot

Parking

  • Total spaces: 5
  • Parking features: Off Street,Paved,Detached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 $1,264$15,168
Home Insurance *$97$1,164
Property Taxes $441$5,292
Electricity $248$2,986
Total$2,050$24,600
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,285/yr
40% on housing$61,500/yr
45% on housing$54,666/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

$166This listing

vs Other Active Listings

Avg $/sqft

ZIP 12303$173
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)

No zestimate history available

Price History

DateEventPrice
2026-08-06Contingent$250,000
2026-08-05Pending sale$250,000
2026-06-26Price change$250,000
2026-06-03Listed for sale$260,000
2023-06-26Sold$160,000
2023-05-04Pending sale$159,900
2023-04-27Listed for sale$159,900
2023-01-15Pending sale$159,900
2022-12-14Listed for sale$159,900
2022-12-13Listing removed--
2022-09-12Pending sale$169,900
2022-08-19Listed for sale$169,900
1999-12-30Sold$17,600

For Sale by Agent

AgentMelissa Matey
BrokerageMiranda Real Estate Group Inc

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