3 Hammond Street, Monticello, NY, 12701
About This Home
Charming Village Home with Legal 2-Family Flexibility — Monticello, NY Welcome to this spacious, well-maintained two-story home nestled in the heart of the Village of Monticello. Legally configured as a two-family residence, the current owners have chosen to enjoy the entire home for themselves — giving the next buyer the rare option to use it as a generous single-family home or convert it to generate rental income. Rich in old-world charm, the home boasts beautiful hardwood floors throughout. The first floor features two bedrooms, a full bath, and a comfortable living and dining room. The second floor offers two additional bedrooms and another full bath — perfect for guests, extended family, or a private retreat. Outside, you'll find lovingly maintained gardens and a relaxing back patio, ideal for enjoying warm evenings in a peaceful setting. Located close to shopping, parks, and the area's beautiful lakes, this home offers the perfect balance of comfort, character, and convenience. Whether you're an investor, a growing family, or simply looking for a home with charm and flexibility, this one is not to be missed. Come and see it for yourself!
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Actual
- Year built: 1942
Materials
- Foundation: Other
- Construction materials: Clapboard,Other,Unknown
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dryer,Range,Refrigerator,Washer
Basement
- Has basement: Yes
- Basement: Full,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Features
- First Floor Bedroom,Eat-in Kitchen,Entrance Foyer,Formal Dining
- Attic: Full
Heating
- Heating features: Baseboard,Oil
Interior Area
- Total structure area: 2,064
- Total interior livable area: 2,064 sqft
Property
Details
- Parcel number: 460111200005021000
- Special condition: None
Features
- Levels: Two
Lot
- Lot size: 5,600 sqft
- Features: Back Yard,Cleared,Front Yard,Level,Paved
Parking
- Parking features: Driveway,Off Street
- 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
- Lightning
- Cold Wave
- Inland Flooding
- Strong Wind
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Sullivan 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 | $1,921 | $23,052 |
| Home Insurance * | $156 | $1,872 |
| Property Taxes | $573 | $6,876 |
| Electricity | $341 | $4,093 |
| Total | $2,991 | $35,892 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-23 | Listed for sale | $380,000 |
View on Zillow