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

17 Wilmarth Street, Scotia, NY, 12302

2beds
1baths
940sqft
$249,900
$266price/sqft
$2,033/moest. monthly cost
$81,320/yrincome needed

About This Home

BEST & FINAL OFFERS Due Tuesday 8/4 @4pm. Adorable cape cod style home located in the Village of Scotia. Enjoy one floor living in this fully updated/ move in ready home; featuring 2 bedrooms, 1 bath, beautifully updated kitchen with stainless appliances, granite countertops & tile floor. Newer windows throughout, hardwood floors, central AC 2 years old, wrap around trex deck and a spacious fenced in backyard. 1 car garage for extra storage space. Close to local shops, Collins Lake & Freedom Park. Taxes shown w/out exemptions. Garage Sold ''as is''

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

8/10
Lincoln SchoolGrades K-50.4 mi
7/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1946

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Oven,Refrigerator,Washer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Flooring: Vinyl,Ceramic Tile,Hardwood
  • Finished area below ground: 0
  • Finished area above ground: 940

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 940
  • Total interior livable area: 940 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 422201 29.76241
  • Special condition: Standard

Features

  • Patio & porch: Rear Porch,Side Porch,Composite Deck,Deck
  • Fencing: Back Yard,Perimeter,Privacy

Lot

  • Lot size: 9,147 sqft
  • Features: Level,Cleared,Landscaped

Parking

  • Total spaces: 3
  • Parking features: Paved,Detached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Tornado

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 $1,263$15,156
Home Insurance *$83$996
Property Taxes $441$5,292
Electricity $246$2,954
Total$2,033$24,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,702/yr
40% on housing$60,990/yr
45% on housing$54,213/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

$266This listing

vs Other Active Listings

Avg $/sqft

ZIP 12302$196
Schenectady County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 12302$196
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
2026-08-07Pending sale$249,900
2026-07-29Listed for sale$249,900
2026-06-12Pending sale$249,900
2026-06-04Listed for sale$249,900
2024-03-20Sold$208,000
2024-01-24Pending sale$195,000
2024-01-24Listed for sale$195,000
2023-10-13Sold$85,000

For Sale by Agent

AgentGabriella Catena
BrokerageEmpire Real Estate Firm LLC

Similar Homes