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960 Long Creek Rd, Apalachin, NY, 13732

3beds
3baths
2,418sqft
$390,000
$161price/sqft
$3,190/moest. monthly cost
$127,600/yrincome needed

About This Home

Welcome to peaceful country living with modern comfort and thoughtful design. This one owner, custom built contemporary ranch is perfectly situated on 20 private acres. This home features 3 bedrooms, plus a flexible bonus office space, 2.5 baths, formal dining space, and a large open living room with a custom pellet stove with a custom mantle from the early 1900's Harpur Prentice Barn in Bainbridge. The kitchen was designed by Kitchens of Wood and features beautiful oak cabinets blending functionality with quality craftmanship. Mini splits in all rooms, a back up generator, newer roof, gutters with leaf filter system add to whole house comfort and peace of mind. Newer Trex decking to enjoy the expansive outside views and landscaping add to the appeal of every day living and entertaining.

Getting Around

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

Schools

8/10
4/10
5/10
Owego Free AcademyGrades 9-127.4 mi

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Crawlspace
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Free-Standing Range,Propane Water Heater,Refrigerator,Washer

Basement

  • Basement: Crawl Space

Bathroom

  • Level: First
  • Dimensions: 9.6 X 5

Bedroom

  • Level: First
  • Dimensions: 15.9 X 8.11

Bedroom

  • Level: First
  • Dimensions: 18 X 9

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Dimensions: 10 X 13

Dining Room

  • Level: First
  • Dimensions: 11 X 12.7

Family Room

  • Level: First
  • Dimensions: 14.9 X 11

Features

  • Central Vacuum
  • Flooring: Carpet,Hardwood,Vinyl
  • Fireplace features: Living Room,Pellet Stove
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,418

Foyer

  • Level: First
  • Dimensions: 6.5 X 11

Half Bath

  • Level: First
  • Dimensions: with half laundry 8.6 X 7.5

Heating & Cooling

  • Heating features: Ductless,Pellet Stove,Radiant
  • Cooling features: Ductless

Interior Area

  • Total interior livable area: 2,418 sqft

Kitchen

  • Level: First
  • Dimensions: 15.6 X 13

Living Room

  • Level: First
  • Dimensions: 15.6 X 20

Master Bathroom

  • Level: First
  • Dimensions: 14 X 10

Master Bedroom

  • Level: First
  • Dimensions: 18 X 11

Office

  • Level: First
  • Dimensions: 10.6 X 9.10

Property

Details

  • Parcel number: 49308916300111

Features

  • Patio & porch: Deck,Open
  • Exterior features: Deck,Landscaping,Mature Trees/Landscape,Shed,Propane Tank - Leased

Lot

  • Lot size: 20 Acres
  • Features: Garden,Sloped Up,Wooded,Landscaped
  • Lot size dimensions: 20 acres

Parking

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

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
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Tioga 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 $1,972$23,664
Home Insurance *$150$1,800
Property Taxes $669$8,028
Electricity $399$4,795
Total$3,190$38,280
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,371/yr
40% on housing$95,700/yr
45% on housing$85,066/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: 2.6%
2.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -3.0%
-3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$161This listing

vs Other Active Listings

Avg $/sqft

ZIP 13732$144
Tioga County$105

vs Homes Sold Last Month

Median $/sqft

ZIP 13732$135
Tioga County$151

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
2026-04-29Listed for sale$424,000

For Sale by Agent

AgentMary Ruffo
BrokerageEXIT REALTY HOMEWARD BOUND

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