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171 State Route 30, Gilboa, NY, 12076

6beds
3baths
2,552sqft
$649,000
$254price/sqft
$5,103/moest. monthly cost
$204,120/yrincome needed

About This Home

WELCOME TO YOUR 60-ACRE COUNTRY HOMESTEAD with LOW TAXES!! If space, privacy, and charm top your list, this 6-bedroom farmhouse has it all! Nestled on 60 acres of pristine countryside, this move-in-ready home offers classic farmhouse appeal with modern comforts. Step inside to an inviting enclosed front porch, a spacious living room, formal dining area, and a kitchen with a cozy wood stove. Need space to work or relax? Enjoy a home office and a den on the first floor. Upstairs, you'll find 6 generously sized bedrooms, with an expansive walk-up attic ready to be finished for even more living space. This original farmhouse is sold furnished with timeless pieces--just bring your clothes and groceries, and start living the ultimate country lifestyle immediately.60 acres ideal for hiking, four-wheeling, horseback riding, camping, farming or just relaxing by your private pond.Perfect for animals, crops, or creating your own homestead.Outdoor structures include 1-car garage/barn plus a larger barn with recently updated boards. Close to ski resorts, farm stands, the ever-beautiful Mine Kill State Park, swimming, boating, waterfalls, and more--this is the one! Shes a vintage beauty with amazing history that you feel when you walk in.Your country home memories are waiting.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1860

Materials

  • Foundation: Stone
  • Roof: Asphalt,Shingle
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Farmhouse,Traditional
  • Property subType: Farm,Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Oven,Electric Range,Electric Water Heater,Microwave,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 1
  • 1/2 bathrooms: 2
  • Main level bathrooms: 1

Features

  • Ceiling Fan(s),Den,Eat-in Kitchen,Home Office
  • Flooring: Carpet,Hardwood,Other,See Remarks,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Oil,Wood,Forced Air

Interior Area

  • Total structure area: 2,552
  • Total interior livable area: 2,552 sqft

Property

Details

  • Parcel number: 43340021300000010030020000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Enclosed Porch,Porch

Lot

  • Lot size: 60.36 Acres
  • Features: Irregular Lot
  • Lot size dimensions: 1280 x 2192

Parking

  • Total spaces: 1
  • Parking features: Detached,Garage,Circular Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
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 $3,281$39,372
Home Insurance *$385$4,620
Property Taxes $1,016$12,192
Electricity $421$5,060
Total$5,103$61,236
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$174,960/yr
40% on housing$153,090/yr
45% on housing$136,080/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

$254This listing

vs Other Active Listings

Avg $/sqft

ZIP 12076$299
Schoharie County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 12076$157
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)

Price History

DateEventPrice
2026-03-31Listed for sale$649,000

For Sale by Agent

AgentLisa Tenneson
BrokerageFour Star Realty Group, Inc

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