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2021 Cedarlawn Ave, Schenectady, NY, 12306

5beds
2baths
1,932sqft
$275,000
$142price/sqft
$2,287/moest. monthly cost
$91,480/yrincome needed

About This Home

Conveniently located five bedroom and two bathroom house. Mohonasen school District. City water and sewer District. Detached garage. Central air conditioning.

Getting Around

58
WalkingSomewhat Walkable
31
TransitSome Transit
56
BikeBikeable

Schools

5/10
Draper Middle SchoolGrades 6-80.9 mi
5/10

Construction

Condition

  • Year built: 1927

Materials

  • Roof: Shake / Shingle
  • Construction materials: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range / Oven,Refrigerator

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet,Linoleum / Vinyl

Heating & Cooling

  • Heating features: Forced air,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,932 sqft

Property

Details

  • Parcel number: 422800595313

Features

  • Exterior features: Other,Vinyl

Lot

  • Lot size: 5,662 sqft

Parking

  • Parking features: Carport,Garage - Detached,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

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 $1,390$16,680
Home Insurance *$93$1,116
Property Taxes $485$5,820
Electricity $319$3,831
Total$2,287$27,444
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,411/yr
40% on housing$68,610/yr
45% on housing$60,986/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

$142This listing

vs Other Active Listings

Avg $/sqft

ZIP 12306$219
Schenectady County$189

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
2026-03-29Listed for sale$325,000

For Sale by Owner

AgentProperty Owner

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