319 Tower Road, Warnerville, NY, 12187
About This Home
If you are seeking a home with privacy, peaceful scenery and surroundings, this is the one for you. Property butts up against State Land and is across from protected wetlands. There is a pond for added serenity. An old barn on the property is ''as-is'' with the sale. This home is just 10 minutes from Cobleskill.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2009
Materials
- Foundation: Slab
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Oven,Range,Refrigerator
- Laundry features: Laundry Room
Basement
- Basement: Crawl Space
Bedroom
- Level: First
Bedroom
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Level: First
Features
- Kitchen Island
- Flooring: Bamboo,Carpet,Linoleum
- Finished area below ground: 0
- Finished area above ground: 1,512
Heating & Cooling
- Heating features: Forced Air,Propane
- Cooling features: None
Interior Area
- Total structure area: 1,512
- Total interior livable area: 1,512 sqft
Kitchen
- Level: First
Laundry
- Level: First
Living Room
- Level: First
Office
- Level: First
Primary Bedroom
- Level: First
Property
Details
- Parcel number: 433200 92.53.1
- Special condition: Standard
- Other equipment: None
Features
- Patio & porch: Deck
- Exterior features: None
Lot
- Lot size: 6.80 Acres
- Features: Road Frontage,Sloped,Wooded
Parking
- Total spaces: 3
- Parking features: Stone,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
- Inland Flooding
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Schoharie 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 | $1,516 | $18,192 |
| Home Insurance * | $83 | $996 |
| Property Taxes | $469 | $5,628 |
| Electricity | $249 | $2,998 |
| Total | $2,317 | $27,804 |
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 |
|---|---|---|
| 2026-04-28 | Listed for sale | $299,900 |
| 2002-09-04 | Sold | $69,000 |
View on Zillow