20 Henry Street, Schenectady, NY, 12304
About This Home
Excellent opportunity to own a single family home in a the growing city of Schenectady! Conveniently located just off of State Street, this 2 bedroom, 1 bath home offers great potential for investors., homeowners, or anyone looking to customize a space to their taste. Some of the updates have already been started-bring your tools and finishing touches to make it your own. Enjoy a spacious backyard perfect for future expansion, entertaining, or relaxation. Low taxes and central location close to shopping, restaurants, schools, and public transportation.
Getting Around
Somewhat Walkable
Some Transit
BikeableSchools
Construction
Condition
- Property condition: Fixer
- Year built: 1920
Materials
- Foundation: Slab
- Roof: Shingle,Asphalt
- Construction materials: Aluminum Siding,Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Old Style,Traditional
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: None
Basement
- Level: Basement
Basement
- Has basement: Yes
- Basement: Interior Entry,Unfinished
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Dining Room
- Level: First
Features
- Walk-In Closet(s)
- Door features: Storm Door(s)
- Window features: Wood Frames
- Flooring: Wood
- Number of fireplaces: 1
- Fireplace features: Basement
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 960
Foyer
- Level: First
Full Bathroom
- Level: First
Heating & Cooling
- Heating features: Hot Water,Natural Gas
- Cooling features: None
Interior Area
- Total structure area: 960
- Total interior livable area: 960 sqft
Kitchen
- Level: First
Living Room
- Level: First
Property
Details
- Parcel number: 421500 49.68118
- Zoning description: Multi Residence
- Special condition: Standard
Features
- Patio & porch: Covered,Front Porch,Porch
- Exterior features: Garden,Lighting
- Fencing: Back Yard,Partial,Privacy
- Has view: Yes
- View description: City
Lot
- Lot size: 6,098 sqft
- Features: Road Frontage,Garden
Parking
- Total spaces: 4
- 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
- Lightning
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Schenectady 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 | $808 | $9,696 |
| Home Insurance * | $67 | $804 |
| Property Taxes | $282 | $3,384 |
| Electricity | $246 | $2,954 |
| Total | $1,403 | $16,836 |
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 |
|---|---|---|
| 2025-11-13 | Listed for sale | $159,900 |
| 2025-10-28 | Listing removed | $159,900 |
| 2025-08-21 | Price change | $159,900 |
| 2025-07-27 | Listed for sale | $165,000 |
| 2025-07-13 | Listing removed | $166,900 |
| 2025-06-25 | Price change | $166,900 |
| 2025-06-12 | Listed for sale | $169,900 |
| 2025-06-10 | Listing removed | $174,900 |
| 2025-05-30 | Price change | $174,900 |
| 2025-05-15 | Price change | $179,900 |
| 2025-05-09 | Listed for sale | $185,000 |
| 2025-05-02 | Listing removed | $189,000 |
| 2025-03-29 | Price change | $189,000 |
| 2024-11-23 | Price change | $199,000 |
| 2024-11-03 | Listed for sale | $210,000 |
| 2024-08-15 | Sold | $95,000 |
| 2024-06-21 | Pending sale | $99,000 |
| 2024-06-01 | Listed for sale | $99,000 |
| 2024-05-13 | Sold | $58,000 |
| 2024-05-04 | Price change | $109,900 |
| 2024-05-02 | Listed for sale | $119,900 |
| 1996-05-07 | Sold | $47,400 |
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