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2005 Old Kings Highway, Saugerties, NY, 12477

2beds
1baths
1,599sqft
$550,000
$344price/sqft
$3,971/moest. monthly cost
$158,840/yrincome needed

About This Home

Easy living awaits in this beautifully updated ranch home with a barn, set on nearly an acre in a convenient and desirable location overlooking a 120-acre hayfield. Thoughtfully improved by the current owner with the intention of staying for years to come, every update reflects a commitment to comfort, quality, and long-term enjoyment--making this a wonderful opportunity for the next owner now that plans have changed. Inside, the home offers a warm balance of classic charm and modern convenience. Original solid oak floors have been beautifully refinished, cast-iron radiators provide cozy, steady warmth, and a wood-burning fireplace adds timeless character and ambiance. Recent improvements include newly installed central air, a ducted wood-burning furnace, new roof, siding, and gutters, a new brick chimney, a new hot water heater, and a welcoming new front porch. Currently configured as a two-bedroom home, the den offers an easy opportunity for a third bedroom, guest space, or home office. The setting is especially appealing for those seeking a full-time residence, weekend retreat, or investment opportunity. With close proximity to the Lazy Swan Golf & Country Club, HITS, and Total Tennis--with indoor tennis, pickleball, and Pilates--this property is perfectly positioned to enjoy some of the area's most sought-after recreational amenities. Short-term rentals are permitted and welcomed in Saugerties, adding to the property's versatility and appeal. Ideally located near the Villages of Saugerties and Woodstock, the City of Kingston, and skiing at Hunter Mountain, this home offers comfort, convenience, and access to the very best of the Hudson Valley lifestyle.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

6/10
Morse SchoolGrades K-63.5 mi
5/10
6/10

Construction

Condition

  • Year built: 1963

Materials

  • Foundation: Block
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Washer/Dryer,Refrigerator,Free-Standing Gas Range,Dishwasher

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

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

Features

  • Natural Woodwork
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Heatilator,Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,599

Heating & Cooling

  • Heating features: Central,Electric,Oil,Radiant,Wood,Wood Stove
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,599
  • Total interior livable area: 1,599 sqft

Property

Details

  • Parcel number: 9.1
  • Zoning: Res 1

Features

  • Levels: One
  • Exterior features: Gray Water System,Lighting

Lot

  • Lot size: 0.93 Acres
  • Features: Back Yard,Few Trees,Landscaped,Level,Meadow

Parking

  • Total spaces: 4
  • Parking features: Circular Driveway,Covered Spaces
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • Has uncovered spaces: Yes

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
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather

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 $2,781$33,372
Home Insurance *$184$2,208
Property Taxes $742$8,904
Electricity $264$3,170
Total$3,971$47,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,148/yr
40% on housing$119,130/yr
45% on housing$105,893/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

$344This listing

vs Other Active Listings

Avg $/sqft

ZIP 12477$265
Ulster County$304

vs Homes Sold Last Month

Median $/sqft

ZIP 12477$220
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
2026-05-01Listed for sale$650,000
2022-07-07Sold$339,000
2022-06-15Contingent$339,000
2022-05-22Pending sale$339,000
2022-05-18Listed for sale$339,000
2008-03-13Sold$190,000
2008-03-01Listed for sale$197,500

For Sale by Agent

AgentSean Zimmerman
BrokerageHalter Associates Realty

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