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475 Kelly Hill Rd, Bradford, NY, 14815

5beds
4baths
1,344sqft
$399,900
$298price/sqft
$3,004/moest. monthly cost
$120,160/yrincome needed

About This Home

Escape to your own private haven in the heart of Bradford, NY with this stunning log sided cabin retreat. Nestled amidst 3.2 acres of parklike setting, this remarkable property offers tranquility and peace. The centerpiece of the estate is a beautifully crafted 5 bedrooms 2 full bathroom 2 half bathroom home that exudes rustic charm yet boasts modern comforts with custom finishes throughout. For the car enthusiast or hobbyist, an impressive 3 bay garage/shop awaits, complete with an accessory 1 bedroom 1 bathroom apartment above – perfect for guests or rental income potential. Garage has electricity, heat, bathroom, laundry, lots of storage space and a lift for ease of working on vehicles. Embrace nature's beauty by strolling along the serene pond accompanied by a gentle stream, creating an idyllic backdrop for relaxation and reflection. Entertain family and friends on warm summer days beside the sparkling above ground pool or enjoy cozy nights on your spacious wrap around covered porch. Full basement offers a half bathroom, beautifully crafted log stairs and walkout access. With its unique blend of function and rustic allure set against breathtaking natural surroundings, this property captures the essence of a dream escape, while providing functional spaces. Discover unparalleled privacy and lifestyle at its finest; make this retreat yours today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

8/10
Bradford Central SchoolGrades PK-121.0 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2021

Materials

  • Foundation: Block
  • Construction materials: Log Siding,Spray Foam Insulation

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Water Heater,Gas Oven,Gas Range,Refrigerator,Washer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Ceiling Fan(s),Separate/Formal Living Room,Country Kitchen,Kitchen/Family Room Combo,Sliding Glass Door(s),Storage,Natural Woodwork,Main Level Primary,Primary Suite
  • Door features: Sliding Doors
  • Flooring: Hardwood,Tile,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Coal,Ductless,Electric,Wood
  • Cooling features: Ductless,Zoned

Interior Area

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

Property

Details

  • Parcel number: 44300007100000020090000000
  • Special condition: Standard
  • Horse amenities: Horses Allowed

Features

  • Pool features: Above Ground
  • Patio & porch: Covered,Deck,Porch,Screened
  • Exterior features: Deck,Gravel Driveway,Pool,Porch
  • Horses can be raised: Yes

Lot

  • Lot size: 3.20 Acres
  • Features: Agricultural,Rectangular,Rectangular Lot
  • Lot size dimensions: 312 x 444

Parking

  • Total spaces: 3
  • Parking features: Detached,Electricity,Garage,Heated Garage,Storage,Workshop in Garage,Water Available
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 FloodingRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Drought
Hail
Ice Storm
Lightning
Strong Wind

FEMA Declared Disasters in Schuyler 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 $2,022$24,264
Home Insurance *$177$2,124
Property Taxes $559$6,708
Electricity $246$2,954
Total$3,004$36,048
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,994/yr
40% on housing$90,120/yr
45% on housing$80,106/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.9%
3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$298This listing

vs Other Active Listings

Avg $/sqft

ZIP 14815$230
Schuyler County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 14815—
Schuyler County$174

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
2026-08-06Pending sale$399,900
2026-06-08Price change$399,900
2026-04-13Listed for sale$424,900
2026-03-27Listing removed$439,900
2026-01-27Price change$439,900
2026-01-06Listed for sale$450,000

For Sale by Agent

AgentJohn Peckham
BrokerageSignature Properties

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