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114 Homer Zeh Lane, Schoharie, NY, 12157

2beds
1baths
724sqft
$129,900
$179price/sqft
$1,144/moest. monthly cost
$45,760/yrincome needed

About This Home

Gorgeous mountain views and a peaceful setting await at 114 Homer Zeh Lane, where 1.5 acres of open and wooded scenic land come together. Tucked away on a quiet country road, the home sits beautifully on its spacious lot, surrounded by mature trees. The interior features a two-bedroom, one-bath layout. The authentic wood paneling adds distinct character to the space, and the newer roof offers immediate peace of mind for the next owner. Outside, the property features a detached garage and a storage shed for tools and outdoor equipment, leaving plenty of room to appreciate the countryside vistas. Combining total tranquility with an exceptionally convenient location, this property offers a tranquil setting within easy commute to the Capital District and Cobleskill. Schedule your private tour today to see the potential for yourself!

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

4/10
5/10
Schoharie High SchoolGrades 6-121.1 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Block

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Oven

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bathroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: First

Features

  • Flooring: Carpet
  • Finished area below ground: 0
  • Finished area above ground: 724

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: None

Interior Area

  • Total structure area: 724
  • Total interior livable area: 724 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 72115
  • Zoning: Residential
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1

Lot

  • Lot size: 1.54 Acres
  • Features: Front Yard,Level,Meadow,Private,Secluded,Views,Wooded

Parking

  • Total spaces: 1
  • Parking features: Additional Parking
  • 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 WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Hail
Lightning
Strong Wind
Tornado

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 $656$7,872
Home Insurance *$39$468
Property Taxes $203$2,436
Electricity $246$2,954
Total$1,144$13,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$39,222/yr
40% on housing$34,320/yr
45% on housing$30,506/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

$179This listing

vs Other Active Listings

Avg $/sqft

ZIP 12157$169
Schoharie County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 12157$219
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
2026-06-24Listed for sale$129,900
2021-09-22Sold$70,000
2021-08-18Pending sale$68,000
2021-08-08Contingent$68,000
2021-07-30Listed for sale$68,000
1988-04-20Sold$9,500

For Sale by Agent

AgentMatthew Loder
BrokerageCountry Boy Realty

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