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3220 Balltown Road, Schenectady, NY, 12304

4beds
2baths
1,716sqft
$329,900
$192price/sqft
$2,671/moest. monthly cost
$106,840/yrincome needed

About This Home

Well-maintained and full of charm, this spacious home offers a fantastic combination of comfort, privacy, and functionality. The property features a large yard with added privacy and a huge shed, perfect for storage, hobbies, or workshop space. Inside, you'll find generous living areas and thoughtful updates throughout. The standout second-floor primary retreat offers privacy with a huge closet and dressing/changing room, providing exceptional space and convenience. Home has a flexible layout and beautiful outdoor space.

Getting Around

62
WalkingSomewhat Walkable
35
TransitSome Transit
39
BikeSomewhat Bikeable

Schools

4/10
Paige Elementary SchoolGrades PK-50.6 mi
3/10
Schenectady High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1910

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Microwave,Range,Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Features

  • High Speed Internet,Solid Surface Counters
  • Window features: Double Pane Windows
  • Flooring: Carpet,Ceramic Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,716

Heating & Cooling

  • Heating features: Baseboard,Hot Water,Natural Gas,Zoned
  • Cooling features: None

Interior Area

  • Total structure area: 1,716
  • Total interior livable area: 1,716 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Other

  • Level: Second

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: 421500 60.40459.1
  • Special condition: Standard

Features

  • Patio & porch: Front Porch
  • Fencing: Vinyl,Wood,Back Yard,Fenced
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 0.34 Acres
  • Features: Cleared,Corner Lot,Landscaped

Parking

  • Total spaces: 5
  • 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

No climate risk data available.

How This Home’s Risks Compare

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 $1,668$20,016
Home Insurance *$138$1,656
Property Taxes $582$6,984
Electricity $283$3,403
Total$2,671$32,052
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,577/yr
40% on housing$80,130/yr
45% on housing$71,226/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

$192This listing

vs Other Active Listings

Avg $/sqft

ZIP 12304$156
Schenectady County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 12304$191
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
2026-03-16Listed for sale$349,900
2025-03-31Sold$330,000
2025-01-14Pending sale$345,000
2024-12-17Price change$345,000
2024-10-15Price change$365,000
2024-08-30Listed for sale$375,000
2018-11-01Listing removed$184,900
2018-04-12Listed for sale$184,900
2015-10-15Listing removed$199,000
2015-09-11Price change$199,000
2015-08-18Listed for sale$210,000
2014-08-28Sold$164,000
2014-04-29Sold$56,500
2013-12-30Listed for sale$64,900
2012-12-22Listing removed$85,000
2012-10-03Price change$85,000
2012-07-31Price change$90,000
2012-06-18Listed for sale$95,000
2011-11-09Listing removed$95,000
2011-06-04Price change$95,000
2011-04-15Price change$99,000
2011-03-12Price change$110,000
2010-12-25Price change$124,900
2010-10-27Price change$119,900
2010-09-16Price change$125,900
2006-05-10Sold$128,000
2002-12-19Sold$78,000
1999-08-02Sold$74,000
1998-11-20Sold$68,574

For Sale by Agent

AgentRobert L Taylor
BrokerageKW Platform

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