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25 S Prospect Street, Kingston, NY, 12401

3beds
--baths
1,344sqft
$394,999
$294price/sqft
$2,901/moest. monthly cost
$116,040/yrincome needed

About This Home

Income-producing multi-family opportunity in the heart of Kingston, New York. 25 South Prospect Street is a well-maintained 2-family property offering investors or owner-occupants a strong opportunity in Ulster County's active rental market. Unit Breakdown: • Unit 1 -- 2 Bedrooms | 1 Full Bath -- Fixed-Term Lease • Unit 2 -- 1 Bedroom | 1 Full Bath -- Month-to-Month Tenancy With one unit secured on a fixed-term lease and the second operating on a month-to-month basis, the property offers a balance of current occupancy and future flexibility for investment or personal use, subject to applicable lease terms and local regulations. Exterior features include a fully fenced backyard, private deck, storage shed, private driveway, and additional street parking availability. Basement washer and dryer hookups add convenience for occupants. Located on South Prospect Street in Kingston, New York, within the Kingston City School District, the property provides convenient access to Uptown Kingston, local restaurants, shops, arts and cultural destinations, the Rondout Waterfront, Rhinecliff Amtrak Station, and the NYS Thruway (I-87). With existing occupancy, flexible living arrangements, and a location in one of the Hudson Valley's most active markets, this property presents an excellent opportunity for investors or owner-occupants alike. All information is deemed reliable but not guaranteed. Buyers are encouraged to independently verify all financials, leases, zoning, square footage, and property details.

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

4/10
4/10
Kingston High SchoolGrades 9-120.5 mi
4/10
Harry L Edson SchoolGrades K-41.5 mi

Construction

Condition

  • Year built: 1900

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Refrigerator,Oven

Bedrooms & Bathrooms

  • Bedrooms: 3

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,344

Interior Area

  • Total structure area: 1,344
  • Total interior livable area: 1,344 sqft

Property

Details

  • Parcel number: 080005602500050230000000
  • Zoning: T5N

Lot

  • Lot size: 3,049 sqft

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
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado

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

$294This 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
2026-07-27Price change$394,999
2026-05-11Listed for sale$399,999
2026-02-20Listing removed$375,000
2025-10-30Price change$375,000
2025-10-20Price change$385,000
2025-08-19Listed for sale$399,000
2024-04-19Sold$267,500
2024-04-12Pending sale$295,000
2024-03-11Contingent$295,000
2024-02-08Pending sale$295,000
2023-10-11Listed for sale$295,000
2021-03-09Sold$135,000
2020-09-14Pending sale$170,000
2020-08-08Listed for sale$170,000
2016-10-19Listing removed$115,900
2016-04-27Price change$115,900
2016-01-31Listed for sale$119,000
2014-05-01Listing removed$126,500
2013-05-10Listed for sale$126,500
2005-09-12Sold$130,000

For Sale by Agent

AgentRichard Baxter
BrokerageKeller Williams Realty

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