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807 Craig Street, Schenectady, NY, 12307

6beds
2baths
2,220sqft
$295,000
$133price/sqft
$2,604/moest. monthly cost
$104,160/yrincome needed

About This Home

Stunning ''hard to find'' 2-family home boasting 5 bedrooms, 2 full baths. Off-street parking. Minutes away from major highways, parks & shopping. Excellent for owner occupied or investors. Don't wait, schedule a showing today!

Getting Around

71
WalkingVery Walkable
43
TransitSome Transit
36
BikeSomewhat Bikeable

Schools

4/10
Martin Luther King SchoolGrades PK-50.2 mi
2/10
Oneida Middle SchoolGrades 6-81.7 mi
3/10
Schenectady High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1910

Materials

  • Roof: Slate
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,220

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total structure area: 2,220
  • Total interior livable area: 2,220 sqft

Property

Details

  • Parcel number: 421500 49.49161
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Exterior features: None

Lot

  • Lot size: 3,049 sqft

Parking

  • Total spaces: 2

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 $1,491$17,892
Home Insurance *$226$2,712
Property Taxes $521$6,252
Electricity $366$4,402
Total$2,604$31,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,280/yr
40% on housing$78,120/yr
45% on housing$69,440/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

$133This listing

vs Other Active Listings

Avg $/sqft

ZIP 12307$115
Schenectady County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 12307$116
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
2026-07-07Price change$295,000
2026-05-29Listed for sale$324,900
2025-12-31Listing removed$324,900
2025-07-01Listed for sale$324,900
2024-04-26Sold$155,000
2024-04-09Pending sale$174,900
2024-04-07Listed for sale$174,900
2024-02-24Listing removed--
2024-01-05Price change$195,500
2023-10-04Price change$204,900
2023-08-24Listed for sale$214,900
2022-06-26Listing removed--
2022-06-24Listed for rent$1,100
2022-05-02Listing removed--
2022-01-02Pending sale$143,500
2021-12-07Price change$143,500
2021-12-05Price change$149,900
2021-11-07Listed for sale$154,900
2020-02-09Listing removed$900
2020-02-04Listed for rent$880
2016-07-06Sold$10,900
2016-06-20Pending sale$10,500
2016-05-04Listed for sale$10,500
2007-02-02Sold$72,000
2003-05-13Sold$10,000

For Sale by Agent

AgentTauseef A Baksh
BrokerageTriple T Premier Realty LLC

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