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514 Upper Cherrytown Road, Kerhonkson, NY, 12446

2beds
1baths
464sqft
$139,900
$302price/sqft
$1,183/moest. monthly cost
$47,320/yrincome needed

About This Home

Charming 3-Season Cottage -- 2 Hours from NYC Lovingly enjoyed by generations. This cozy two-bedroom, one-bath cottage is your perfect summer escape. Tucked along a quiet country road, it offers easy access to hiking trails, local farmers markets, and the best of upstate living. Unwind on the enclosed porch as you listen to the gentle stream flowing through the backyard. Host family gatherings, grill under the trees, or explore the nearby outdoors. The spacious shed out back comes with electricity and offers potential for a studio, guest space, or creative retreat. Move-in ready and full of possibilities--your peaceful getaway is waiting.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

6/10
5/10

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Asphalt
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater,Refrigerator,Gas Range
  • Laundry features: None

Bedrooms & Bathrooms

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

Features

  • 3 Seasons Room
  • Flooring: Linoleum
  • Finished area below ground: 0
  • Finished area above ground: 464

Heating & Cooling

  • Heating features: Electric
  • Cooling features: None

Interior Area

  • Total structure area: 464
  • Total interior livable area: 464 sqft

Property

Details

  • Parcel number: 440005901500010180000000
  • Zoning: R5

Features

  • Levels: One
  • Pool features: None
  • Patio & porch: Enclosed,Rear Porch,Screened

Lot

  • Lot size: 0.51 Acres
  • Features: Landscaped,Level

Parking

  • Parking features: Off Street

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
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
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 $707$8,484
Home Insurance *$42$504
Property Taxes $188$2,256
Electricity $246$2,954
Total$1,183$14,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,560/yr
40% on housing$35,490/yr
45% on housing$31,546/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

$302This listing

vs Other Active Listings

Avg $/sqft

ZIP 12446$260
Ulster County$305

vs Homes Sold Last Month

Median $/sqft

ZIP 12446$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)

No zestimate history available

Price History

DateEventPrice
2026-03-30Listed for sale$169,900
2025-12-21Listing removed$169,900
2025-08-06Price change$169,900
2025-07-08Price change$199,900
2025-06-20Listed for sale$229,900
2005-10-03Sold$35,000
2005-03-23Sold$10,000
1998-10-02Sold$21,500

For Sale by Agent

AgentCharlet Wenzel
BrokerageHoward Hanna Rand Realty

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