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38 Horton Rd, Bloomingburg, NY, 12721

1beds
1baths
512sqft
$195,000
$381price/sqft
$1,603/moest. monthly cost
$64,120/yrincome needed

About This Home

Barn on 4plus acres, small living kitchen combo with loft sleeping area

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

6/10
6/10
Crispell Middle SchoolGrades 6-87.1 mi
6/10

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Piers
  • Roof: Metal
  • Construction materials: Wood

Type & Style

  • Home type: Unknown

Interior

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet

Heating & Cooling

  • Heating features: Other
  • Cooling features: Wall

Interior Area

  • Total interior livable area: 512 sqft

Property

Details

  • Parcel number: 484089271515

Features

  • Exterior features: Wood
  • Has view: Yes
  • View description: Mountain

Lot

  • Lot size: 4.05 Acres

Parking

  • Parking features: Garage - Attached

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
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
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 $986$11,832
Home Insurance *$77$924
Property Taxes $294$3,528
Electricity $246$2,954
Total$1,603$19,236
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,960/yr
40% on housing$48,090/yr
45% on housing$42,746/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

$381This listing

vs Other Active Listings

Avg $/sqft

ZIP 12721$267
Sullivan County$235

vs Homes Sold Last Month

Median $/sqft

ZIP 12721
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)

No zestimate history available

Price History

DateEventPrice
2026-06-05Listed for sale$195,000

For Sale by Owner

AgentProperty Owner

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