See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

1164 Creek Road, Esperance, NY, 12066

4beds
4baths
2,864sqft
$399,750
$140price/sqft
$3,374/moest. monthly cost
$134,960/yrincome needed

About This Home

Welcome to this rare opportunity in Duanesburg! Nestled on just over 6 private acres, this spacious home offers endless possibilities. Enjoy the expansive layout with room for everyone to spread out and live comfortably, or explore the potential to convert the home back into a duplex for multi-generational living or investment purposes. Set well back from the road and surrounded by mature trees, you'll appreciate the peaceful setting, abundant privacy, and frequent visits from local wildlife. Relax on the full covered front porch while taking in the tranquil surroundings, or gather around the outdoor fire pit for cozy evenings under the stars. The property backs to the scenic Schoharie Creek, creating a truly picturesque backdrop. Additional highlights include a roof that's only 5 years young and plenty of outdoor space for recreation, gardening, or simply enjoying nature. A unique property offering space, versatility, and serenity--all just a short drive from everyday conveniences.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
6/10
Duanesburg High SchoolGrades 7-124.7 mi

Construction

Condition

  • Year built: 1995

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator,Washer/Dryer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Ceiling Fan(s),Cathedral Ceiling(s),Ceramic Tile Bath,Eat-in Kitchen
  • Window features: Curtain Rods,Drapes
  • Flooring: Tile,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,864

Full Bathroom

  • Level: Second

Half Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Oil
  • Cooling features: None

Interior Area

  • Total structure area: 2,864
  • Total interior livable area: 2,864 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Loft

  • Level: Second

Office

  • Level: Second

Primary Bathroom

  • Level: First

Primary Bathroom

  • Level: Second

Primary Bedroom

  • Level: First

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: 422089 63.00117
  • Special condition: Standard

Features

  • Exterior features: Lighting

Lot

  • Lot size: 6.07 Acres
  • Features: Level,Wooded,Cleared,Landscaped

Parking

  • Total spaces: 8
  • Parking features: Off Street

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

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Tornado
Winter Weather

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 $2,021$24,252
Home Insurance *$174$2,088
Property Taxes $706$8,472
Electricity $473$5,679
Total$3,374$40,488
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,680/yr
40% on housing$101,220/yr
45% on housing$89,973/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

$140This listing

vs Other Active Listings

Avg $/sqft

ZIP 12066$342
Schenectady County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 12066$198
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
2026-07-31Listed for sale$399,750
2006-07-12Sold$284,500
1995-09-18Sold$24,000

For Sale by Agent

AgentPaul A Friello
BrokerageColdwell Banker Prime Properties

Similar Homes