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245 E Chester Street, Kingston, NY, 12401

2beds
2baths
976sqft
$395,000
$405price/sqft
$2,901/moest. monthly cost
$116,040/yrincome needed

About This Home

Welcome home to this charming, move-in ready Craftsman nestled in the heart of the vibrant City of Kingston! Offering 2 comfortable bedrooms and an updated layout, this 976 sq. ft. residence beautifully balances efficiency with modern comfort. Enjoy total peace of mind with a newer roof, updated windows, durable vinyl siding, and central AC to keep you cool all summer long. The updated kitchen flows effortlessly into the living spaces, while the level 7,000 sq. ft. lot provides a perfect canvas for outdoor entertaining, gardening, or backyard fun. Situated just moments from Kingston's spectacular downtown and exciting waterfront--both packed with local boutiques and celebrated restaurants--this home serves as your perfect gateway to the Catskills and the Hudson River lifestyle.

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

1/10
John F. KennedyGrades K-40.7 mi
4/10
Kingston High SchoolGrades 9-120.7 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1900

Materials

  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Oven,Microwave,Dishwasher

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Door features: Storm Door(s)
  • Flooring: Laminate
  • Finished area below ground: 536
  • Finished area above ground: 976

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 976
  • Total interior livable area: 976 sqft

Property

Details

  • Parcel number: 080004808200090270000000
  • Zoning: T3N

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Enclosed,Front Porch,Rear Porch

Lot

  • Lot size: 6,969 sqft
  • Features: Back Yard

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

  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Strong Wind

FEMA Declared Disasters in Ulster 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 $1,997$23,964
Home Insurance *$125$1,500
Property Taxes $533$6,396
Electricity $246$2,954
Total$2,901$34,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,462/yr
40% on housing$87,030/yr
45% on housing$77,360/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: 2.7%
2.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$405This listing

vs Other Active Listings

Avg $/sqft

ZIP 12401$260
Ulster County$304

vs Homes Sold Last Month

Median $/sqft

ZIP 12401$270
Ulster County$261

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
2026-07-08Listed for sale$395,000
2025-03-21Sold$257,500
2019-03-13Listing removed$1,375
2019-03-05Price change$1,325
2019-02-12Listed for rent$1,375
2017-11-06Listing removed$69,900
2017-08-31Listed for sale$69,900
2017-08-16Pending sale$69,900
2017-08-08Listed for sale$69,900
2017-08-07Pending sale$69,900
2017-07-17Price change$69,900
2017-06-27Listed for sale$74,900
2017-06-15Pending sale$74,900
2017-04-13Price change$74,900
2017-03-09Price change$79,900
2017-02-10Listed for sale$89,900
1995-06-05Sold$55,000

For Sale by Agent

AgentCameil Morris East
BrokerageKeller Williams Realty HV Nort

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