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383 Ferndale Loomis Road, Liberty, NY, 12754

5beds
3baths
2,400sqft
$625,000
$260price/sqft
$4,749/moest. monthly cost
$189,960/yrincome needed

About This Home

Brand-new construction offering 5 bedrooms, 2.5 baths, and a thoughtfully designed modern layout on 1.05 acres. The upper level features a spacious primary bedroom plus three additional bedrooms, while the first floor includes an additional bedroom, perfect for guests or a home office. The heart of the home is the expansive open-concept kitchen, dining, and living area, all flowing together beneath high ceilings to create a bright and impressive main living space. Additional highlights include a 2-car garage, generous room sizes, and a beautiful, functional floor plan throughout. Situated on a quiet street with plenty of outdoor space, this newly built home offers comfort, style, and room to grow

Getting Around

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

Schools

2/10
Liberty Elementary SchoolGrades PK-41.7 mi
2/10
Liberty Middle SchoolGrades 5-82.0 mi
3/10

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Other

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • High Ceilings,Open Floorplan,Open Kitchen
  • Attic: Pull Stairs,Storage

Heating & Cooling

  • Heating features: ENERGY STAR Qualified Equipment,Forced Air
  • Cooling features: Central Air,Ductwork

Interior Area

  • Total structure area: 2,400
  • Total interior livable area: 2,400 sqft

Property

Details

  • Parcel number: 368903600001026001
  • Special condition: None

Lot

  • Lot size: 1.05 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Sullivan 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 $3,160$37,920
Home Insurance *$251$3,012
Property Taxes $942$11,304
Electricity $396$4,759
Total$4,749$56,988
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$162,822/yr
40% on housing$142,470/yr
45% on housing$126,640/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: 5.3%
5.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -5.2%
-5.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$260This listing

vs Other Active Listings

Avg $/sqft

ZIP 12754$164
Sullivan County$235

vs Homes Sold Last Month

Median $/sqft

ZIP 12754
Sullivan County$209

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
2026-07-30Listed for sale$625,000
2026-02-03Listing removed$65,000
2025-07-24Price change$65,000
2025-05-30Listed for sale$75,000
2006-11-14Sold$35,000

New Construction

AgentJoel Rosenberg
BrokerageSalz Realty Group

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