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46 Fern Trail, Wurtsboro, NY, 12790

2beds
1baths
1,274sqft
$375,000
$294price/sqft
$2,838/moest. monthly cost
$113,520/yrincome needed

About This Home

Newly rebuilt from the ground up in 2022 with quality in mind, this turn-key ranch blends modern aesthetics with country charm and the ease of true single-level living. The bright, open-concept floor plan welcomes you with airy spaces, gleaming hardwood floors, and a modern kitchen featuring quartz countertops, an oversized island with seating, and stainless steel appliances. The centerpiece of the main living area is a newly installed pellet stove, providing both a cozy ambiance and efficient warmth throughout the home. Both bedrooms offer ample space and double closets for maximum storage, while a laundry room is conveniently located just off the kitchen and provides additional pantry storage. Situated on a level, cleared corner lot, the exterior boasts a classic covered front porch and a large wrap-around deck perfect for entertaining. The property also includes a detached garage equipped with electric, a separate workshop/storage space, and an additional garden shed. Ideally located for commuters just off Highway 17, you are only minutes away from the shops and dining in the quaint Village of Wurtsboro. Everything here has already been done for you - nothing left to do but move right in!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

7/10
Emma C Chase SchoolGrades K-51.5 mi
3/10
3/10
Monticello High SchoolGrades 9-1211.1 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1950

Materials

  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2022

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave,Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: Washer/Dryer Hookup,Laundry Room

Bedrooms & Bathrooms

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

Features

  • First Floor Bedroom,First Floor Full Bath,Eat-in Kitchen,Granite Counters,His and Hers Closets,Open Floorplan,Recessed Lighting
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Pellet Stove
  • Fireplace: Yes
  • Attic: Pull Stairs

Heating & Cooling

  • Heating features: Electric
  • Cooling features: None

Interior Area

  • Total structure area: 1,274
  • Total interior livable area: 1,274 sqft

Living Room

  • Level: First

Property

Details

  • Parcel number: 484089.042.0000022001.001/0000
  • Special condition: None

Features

  • Patio & porch: Deck,Porch,Wrap Around
  • Fencing: Partial

Lot

  • Lot size: 0.32 Acres
  • Features: Cleared,Corner Lot

Parking

  • Total spaces: 1
  • Parking features: Detached,Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind

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 $1,896$22,752
Home Insurance *$131$1,572
Property Taxes $565$6,780
Electricity $246$2,954
Total$2,838$34,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,302/yr
40% on housing$85,140/yr
45% on housing$75,680/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

$294This listing

vs Other Active Listings

Avg $/sqft

ZIP 12790$191
Sullivan County$235

vs Homes Sold Last Month

Median $/sqft

ZIP 12790
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
2026-04-15Listed for sale$375,000
2019-10-25Sold$11,000
2019-09-16Pending sale$14,500
2019-08-18Listed for sale$14,500

For Sale by Agent

AgentMelinda White
BrokerageKeller Williams Realty

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