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1339 Bradford Street, Schenectady, NY, 12306

2beds
2baths
1,136sqft
$95,000
$84price/sqft
$925/moest. monthly cost
$37,000/yrincome needed

About This Home

City of Schenectady owned Single Family home located on a quite street with a cute backyard and endless possibility. 2 bedrooms and 1.5 baths with a large den. Off street parking with a covered car port. Currently no power or water. Cash or rehab loan only. Property sold as is. Reserve Funds of $50,000.00

Getting Around

16
WalkingCar-Dependent
28
TransitSome Transit
39
BikeSomewhat Bikeable

Schools

2/10
2/10
3/10
Schenectady High SchoolGrades 9-122.7 mi

Construction

Condition

  • Property condition: Fixer
  • Year built: 1920

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Refrigerator
  • Laundry features: In Basement

Basement

  • Level: Basement

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Den

  • Level: First

Features

  • Eat-in Kitchen
  • Finished area below ground: 0
  • Finished area above ground: 1,136

Full Bathroom

  • Level: Second

Half Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Baseboard,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,136
  • Total interior livable area: 1,136 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 421500 49.70220
  • Special condition: Standard

Features

  • Exterior features: None
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 3,920 sqft
  • Features: Level,Landscaped

Parking

  • Total spaces: 3
  • Parking features: Attached,Carport
  • Carport: 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 $480$5,760
Home Insurance *$32$384
Property Taxes $167$2,004
Electricity $246$2,954
Total$925$11,100
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,714/yr
40% on housing$27,750/yr
45% on housing$24,666/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

$84This listing

vs Other Active Listings

Avg $/sqft

ZIP 12306$220
Schenectady County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 12306$202
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
2026-05-13Listed for sale$95,000
2006-04-26Sold$106,000
2005-02-21Sold$39,000

For Sale by Agent

AgentJessica Dufek
BrokerageDufek Real Estate Group, LLC

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