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13822 State Route 38, Richford, NY, 13835

4beds
2baths
1,302sqft
$295,000
$227price/sqft
$2,379/moest. monthly cost
$95,160/yrincome needed

About This Home

Are you looking for a small hobby farm in Upstate New York? This 4-bedroom, 2-bath Cape-style home on 3 acres in Richford, NY offers land, outbuildings, and flexibility at an approachable price point. The home features a well-laid-out floor plan and has been freshly primed throughout, giving you a clean slate to choose your own paint colors. Brand-new carpet in the two downstairs bedrooms adds comfort and move-in readiness. A full basement with a bonus room provides valuable additional space for hobbies, storage, or future finishing. Outside is where this property truly shines for hobby farmers and homesteaders. A large detached garage with 3+ car capacity offers excellent workshop and equipment storage potential. A separate small barn-style outbuilding is ideal for horses, goats, chickens, or other small farm animals, making this an excellent entry-level homestead opportunity. A rear deck overlooks the land and provides a peaceful place to relax and enjoy the rural setting. Ask your agent about a seller credit toward a new stove and dishwasher. Offered at $295,000, this is a rare opportunity for a small hobby farm in Upstate New York with 3 acres, a barn, and room for animals.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
6/10
1/10
Nathan T Hall SchoolGrades PK-311.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1993

Materials

  • Foundation: Poured
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Exhaust Fan,Electric Oven,Electric Range,Propane Water Heater,Refrigerator,Range Hood,Washer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s),Den,Separate/Formal Living Room,Home Office,Country Kitchen,Pantry,Sliding Glass Door(s),Storage,Bedroom on Main Level,Programmable Thermostat,Workshop
  • Door features: Sliding Doors
  • Flooring: Hardwood,Tile,Varies,Vinyl

Heating & Cooling

  • Heating features: Propane,Zoned,Baseboard,Hot Water
  • Cooling features: Zoned

Interior Area

  • Total structure area: 1,302
  • Total interior livable area: 1,302 sqft

Property

Details

  • Parcel number: 49320000700000010020400000
  • Special condition: Estate

Features

  • Patio & porch: Deck
  • Exterior features: Deck,Gravel Driveway,Propane Tank - Owned

Lot

  • Lot size: 3 Acres
  • Features: Adjacent To Public Land,Rectangular,Rectangular Lot
  • Lot size dimensions: 300 x 492

Parking

  • Total spaces: 4
  • Parking features: Detached,Electricity,Garage,Heated Garage,Storage,Workshop in Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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 FloodingModerate

How This Home’s Risks Compare

Inland Flooding

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 $1,491$17,892
Home Insurance *$136$1,632
Property Taxes $506$6,072
Electricity $246$2,954
Total$2,379$28,548
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,565/yr
40% on housing$71,370/yr
45% on housing$63,440/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

$227This listing

vs Other Active Listings

Avg $/sqft

ZIP 13835$142
Tioga County$105

vs Homes Sold Last Month

Median $/sqft

ZIP 13835$163
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
2026-05-14Contingent$295,000
2026-05-06Listed for sale$295,000
2026-01-31Listing removed$295,000
2026-01-06Listed for sale$295,000
2007-02-09Sold$127,000
1998-10-27Sold$79,900

For Sale by Agent

AgentJennifer Fenner
BrokerageDryden Realty

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