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1095 State Route 17b, Mongaup Valley, NY, 12762

5beds
2baths
2,904sqft
$825,000
$284price/sqft
$6,237/moest. monthly cost
$249,480/yrincome needed

About This Home

This a Golden opportunity in a prime and sought-after location with two homes on 26+ acres in the heart of the Sullivan County Catskills. Location and land are perfect for a family compound, hobby farm, agri-business, artist/ yoga studio, live/ work situation, Airbnb/ rental income, and more. Main home is as charming as you can get with warm woodwork, elegant touches, and a fully functional interior. It is currently used for retail (antique shop) and offers a country kitchen, large living/ dining room, sunroom, 3 BR's and 1 full bath with additional room and a heated walk-up attic offering flex space. A full walk-out basement with utility sink is perfect for workshop/ extra storage. The cottage is 2 BR's, a full bath and an open concept (currently rented). Main house is approximately 2000 SF, not including the attic, and the cottage is 904 SF. Two outbuildings include a handy man barn as well as a new barn, which is 18x24, insulated and heated and well-built - a great plus for your hobby needs and the perfect addition for studio/ storage. Some of the land around the homes is open and the rest is level and wooded with deciduous and evergreen trees and slopes down toward the back with a small portion fronting on Ballard Road. Perfect for horses, farm animals, additional development... Situated in the town of Bethel with so many possibilities, let your imagination run wild!

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

4/10
3/10
3/10
Monticello High SchoolGrades 9-125.1 mi

Construction

Condition

  • Year built: 1934

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,904

Interior Area

  • Total structure area: 2,904
  • Total interior livable area: 2,904 sqft

Property

Details

  • Parcel number: 38.293.1 and 93.4
  • Zoning: C-17B

Features

  • Stories: 2

Lot

  • Lot size: 26.81 Acres

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

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Sullivan 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 $4,171$50,052
Home Insurance *$343$4,116
Property Taxes $1,244$14,928
Electricity $479$5,758
Total$6,237$74,844
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$213,840/yr
40% on housing$187,110/yr
45% on housing$166,320/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: 5.3%
5.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -5.2%
-5.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$284This listing

vs Other Active Listings

Avg $/sqft

ZIP 12762$487
Sullivan County$235

vs Homes Sold Last Month

Median $/sqft

ZIP 12762
Sullivan County$209

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
2025-10-10Price change$825,000
2025-08-28Price change$815,000
2025-06-23Price change$849,000
2025-04-06Listed for sale$874,900
2015-04-07Sold$175,000

For Sale by Agent

AgentCarol Malek
BrokerageMalek Properties, Inc.

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