232 3rd Street, Schenectady, NY, 12302
About This Home
Excellent opportunity for investors or owner-occupants in a convenient Scotia location! This well-maintained two-family property offers spacious units with strong rental potential. The first-floor apartment features two generously sized bedrooms, hardwood floors, a bright living room, formal dining room, and a large eat-in kitchen with plenty of space for gathering. Additional highlights include a finished area in the basement, bonus rear room, and a welcoming covered front porch. The second-floor unit offers a spacious bedroom, comfortable living area, kitchen with dining space, and low-maintenance flooring throughout. Outside, enjoy a manageable backyard perfect for relaxing or entertaining. First floor is occupied by long term tenants and second floor is vacant.
Getting Around
Very Walkable
Some Transit
BikeableSchools
Construction
Condition
- Year built: 1903
Materials
- Construction materials: Vinyl Siding
Type & Style
- Home type: MultiFamily
- Architectural style: Traditional
- Property subType: Duplex,Multi Family
Interior
Basement
- Has basement: Yes
- Basement: Interior Entry
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Finished area below ground: 200
- Finished area above ground: 1,504
Heating
- Heating features: Baseboard,Electric,Forced Air,Natural Gas
Interior Area
- Total structure area: 1,504
- Total interior livable area: 1,504 sqft
Property
Details
- Parcel number: 422201 38.28136.2
- Attached to another structure: Yes
- Special condition: Standard
Features
- Exterior features: None
Lot
- Lot size: 3,484 sqft
Parking
- Total spaces: 4
- Parking features: Off Street,Detached,Driveway,Garage
- 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
- 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 | $1,390 | $16,680 |
| Home Insurance * | $91 | $1,092 |
| Property Taxes | $485 | $5,820 |
| Electricity | $248 | $2,982 |
| Total | $2,214 | $26,568 |
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 |
|---|---|---|
| 2026-08-17 | Price change | $265,000 |
| 2026-06-18 | Listed for sale | $275,000 |
| 2023-12-29 | Sold | $132,500 |
| 2023-11-15 | Pending sale | $150,000 |
| 2023-09-26 | Price change | $150,000 |
| 2023-09-04 | Pending sale | $179,900 |
| 2023-06-25 | Listed for sale | $179,900 |
| 1995-05-10 | Sold | $79,000 |
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