261 Summit Street, Richmondville, NY, 12149
About This Home
Nestled in the rolling hills of Schoharie County, this charming 19th-century side hall colonial blends historic character with thoughtful updates. Nearly 2,900 sq ft of well-maintained living space features 4 bedrooms, 1.5 baths, a kitchen w/farmhouse sink, dreamy pantry, & living room w/pellet stove on a soapstone hearth. Hardwood floors, two staircases leading upstairs, & a sunlit 3-season porch add to the charm. Relax in the private fenced backyard w/bluestone patio, stone walls, water garden, and meandering paths among perennial gardens. Newer appliances, roof, furnace, & hot water tank offer peace of mind. Don't miss the cozy front porch & primary bedroom with walk-in closet. Ready for you to move right in! 40 minutes from Cooperstown & Albany. Schedule your private tour today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1870
Materials
- Roof: Metal,Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Range,Refrigerator,Washer/Dryer
- Laundry features: Laundry Room
Basement
- Has basement: Yes
- Basement: Partial
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Level: First
Family Room
- Level: First
Features
- Ceiling Fan(s),Walk-In Closet(s),Built-in Features,Eat-in Kitchen
- Flooring: Hardwood
- Number of fireplaces: 1
- Fireplace features: Pellet Stove
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 2,876
Full Bathroom
- Level: Second
Half Bathroom
- Level: First
Heating & Cooling
- Heating features: Forced Air,Oil
- Cooling features: None
Interior Area
- Total structure area: 2,876
- Total interior livable area: 2,876 sqft
Kitchen
- Level: First
Living Room
- Level: First
Property
Details
- Parcel number: 434001 90.6124
- Special condition: Standard
Features
- Patio & porch: Rear Porch,Covered,Enclosed,Front Porch,Patio
- Exterior features: Garden,Lighting
- Fencing: Full,Privacy
Lot
- Lot size: 0.32 Acres
- Features: Level,Garden,Landscaped
Parking
- Total spaces: 6
- Parking features: Off Street,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
- 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 | $1,511 | $18,132 |
| Home Insurance * | $106 | $1,272 |
| Property Taxes | $468 | $5,616 |
| Electricity | $475 | $5,703 |
| Total | $2,560 | $30,720 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-16 | Price change | $299,000 |
| 2025-10-18 | Price change | $333,333 |
| 2025-10-02 | Price change | $334,900 |
| 2025-09-09 | Price change | $339,900 |
| 2025-08-16 | Price change | $344,900 |
| 2025-07-30 | Price change | $349,900 |
| 2025-07-10 | Price change | $372,000 |
| 2025-05-08 | Price change | $378,000 |
| 2025-04-25 | Price change | $388,000 |
| 2024-10-29 | Price change | $394,999 |
| 2024-06-18 | Price change | $399,999 |
| 2024-05-11 | Listed for sale | $398,000 |
| 2023-12-05 | Listing removed | -- |
| 2023-09-28 | Listed for sale | $449,000 |
| 1995-08-24 | Sold | $66,000 |
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