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241 Minke Road, Warnerville, NY, 12187

1beds
1baths
710sqft
$390,000
$549price/sqft
$2,937/moest. monthly cost
$117,480/yrincome needed

About This Home

Welcome to your very next slice of wooded heaven! *Please note: Minke Road access from Greenbush Hill Rd* If you are looking for privacy, peacefulness and a place to kick back while laughing around a camp fire... This is your spot! There are two parcels of this property and it does border about 200 acres of state land with plenty of state land nearby. The cabin has a working fire place in the living room area along with a heavy duty wood stove. This is an off grid cabin that has two solar panels that have been used for years (owned solar panels). There is a small septic that was installed with one leach field (only gets used a couple weeks out of the year). No water available, so it has to be brought in or a well installed (neighboring properties similar have done this). No leaks or issues as the cabin has been built and taken care of by the owner. Wood used to build is all local wood including the solid beams within. The land is a hunters paradise. Plenty of whitetails and there is bear sign on the property as well! If you are looking to get some of your investment back, logging this property would be ideal as there are a lot of mature trees on the property. So, not only is this a great property to hand down to future generations, it is a great investment opportunity!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
5/10
Middleburgh High SchoolGrades 7-124.7 mi

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Asphalt
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Cabin,Residential

Interior

Appliances

  • Appliances included: Gas Oven
  • Laundry features: None

Basement

  • Has basement: Yes
  • Basement: Pillar/Post/Pier

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Cathedral Ceiling(s),Built-in Features
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 710

Heating & Cooling

  • Heating features: Wood,Wood Stove
  • Cooling features: None

Interior Area

  • Total structure area: 710
  • Total interior livable area: 710 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Loft

  • Level: Second

Property

Details

  • Parcel number: 433200 93.35
  • Special condition: Standard

Features

  • Patio & porch: Deck
  • Exterior features: None
  • Has view: Yes
  • View description: Trees/Woods
  • Waterfront features: Creek

Lot

  • Lot size: 176 Acres
  • Features: Level,Private,Road Frontage,Sloped,Wooded,Irregular Lot

Parking

  • Total spaces: 6
  • Parking features: 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
    Inland FloodingRelatively High
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters in Schoharie 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 $1,972$23,664
Home Insurance *$109$1,308
Property Taxes $610$7,320
Electricity $246$2,954
Total$2,937$35,244
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$100,697/yr
40% on housing$88,110/yr
45% on housing$78,320/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: 2.5%
2.5%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -4.5%
-4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$549This listing

vs Other Active Listings

Avg $/sqft

ZIP 12187$176
Schoharie County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 12187$328
Schoharie County$160

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$390,000
2026-07-07Price change$390,000
2026-06-09Listed for sale$399,000

For Sale by Agent

AgentAnthony Wolcott
BrokerageFind Advisors

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