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181 Peraglie Rd, Jefferson, NY, 12093

4beds
1baths
1,824sqft
$495,000
$271price/sqft
$3,782/moest. monthly cost
$151,280/yrincome needed

About This Home

This beautiful farm property in Schoharie County is ready for its next owner. Set on a picturesque landscape, it features approximately 5 acres of thriving blueberry bushes, well-maintained gardens, and multiple greenhouses. The property includes blueberry bushes, well-maintained gardens, and multiple greenhouses—perfect for anyone looking to embrace country living or pursue an agricultural business. The property additionally includes a variety of versatile outbuildings, ideal for equipment storage, workshops, or expanding your farming operation. Beyond the cultivated areas, open meadows and tranquil woodlands stretch toward the back of the property, offering both natural beauty and a sense of privacy. The charming two-story farmhouse serves as a blank canvas, ready for your personal interior updates and vision. Whether you’re dreaming of a self-sustaining lifestyle, a small-scale farmette, or a fruit & flower-growing business, this property is rich with potential. Don’t miss this truly special opportunity to cultivate your dreams in the scenic countryside of Schoharie County.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

4/10
Jefferson Central SchoolGrades PK-122.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1870

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Other,See Remarks,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic/Antique,Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Cooktop,See Remarks,Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Eat-in Kitchen,Separate/Formal Living Room,Country Kitchen,Other,See Remarks
  • Flooring: Other,See Remarks

Heating & Cooling

  • Heating features: Other,See Remarks
  • Cooling features: Other,See Remarks

Interior Area

  • Total structure area: 1,824
  • Total interior livable area: 1,824 sqft

Property

Details

  • Parcel number: 43360014500000010090000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Gravel Driveway,See Remarks

Lot

  • Lot size: 29 Acres
  • Features: Agricultural,Irregular Lot,Other,See Remarks
  • Lot size dimensions: 2000 x 886

Parking

  • Total spaces: 1
  • Parking features: Detached,Garage
  • 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
  • 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 $2,502$30,024
Home Insurance *$204$2,448
Property Taxes $775$9,300
Electricity $301$3,617
Total$3,782$45,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$129,668/yr
40% on housing$113,460/yr
45% on housing$100,853/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

$271This listing

vs Other Active Listings

Avg $/sqft

ZIP 12093$201
Schoharie County$185

vs Homes Sold Last Month

Median $/sqft

ZIP 12093$203
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
2026-04-01Price change$549,500
2025-10-01Listed for sale$575,000

For Sale by Agent

AgentAllen T. Olmsted
BrokerageCanaan Realty

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