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20850 State Highway 28, Delhi, NY, 13753

0beds
10baths
5,064sqft
$399,000
$79price/sqft
$3,483/moest. monthly cost
$139,320/yrincome needed

About This Home

Exceptional opportunity to own a fully renovated, move-in-ready building in the heart of the Catskill Mountains. This could be a perfect scenario to live and work out of one location. With some minor renovation you could easily create a beautiful living space. Located in the Town of Delhi, the county seat, with excellent access just off State highway 28. Delhi Schools, SUNY Delhi, just a short drive to main street Delhi. The main level features beautifully updated 7 office spaces, high speed internet, large sitting area. Updates include new Advantech subflooring, ¾” select red oak hardwood floors, new ceiling system, LED lighting, upgraded trim, and new interior glass wood doors. Fully renovated bathroom and kitchenette with stone countertops and under-counter refrigerator. Additional built-in work area with custom casework and stone countertop. Just a stunning space. The open floor plan makes living space easy to obtain. The full basement has high ceilings and is partially finished. Major upgrades include a new air-to-air split HVAC system (2024) for heating and cooling, newer security and surveillance systems, new well pump (2023/2024), and efficient hot water heater. New Metal Roof. A paved parking area -Driveway sealed annually. Low overhead costs. Ideal for professional offices, service businesses, or owner-users seeking income potential in a prime Catskills location. You could easily live and work here.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

6/10
Delhi Elementary SchoolGrades PK-51.6 mi
6/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1979

Materials

  • Foundation: Poured
  • Roof: Metal
  • Construction materials: Foam Insulation,Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other,See Remarks
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater,Microwave,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full,Finished

Bedrooms & Bathrooms

  • Bathrooms: 10
  • Full bathrooms: 9
  • 1/2 bathrooms: 1
  • Main level bathrooms: 10

Features

  • Entrance Foyer,Home Office,Other,See Remarks,Programmable Thermostat
  • Flooring: Hardwood,Varies

Heating & Cooling

  • Heating features: Ductless,Electric,Steam
  • Cooling features: Ductless,Central Air

Interior Area

  • Total structure area: 5,064
  • Total interior livable area: 5,064 sqft

Property

Details

  • Parcel number: 194.137
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Blacktop Driveway

Lot

  • Lot size: 1.62 Acres
  • Features: Rectangular,Rectangular Lot
  • Lot size dimensions: 200 x 304

Parking

  • Parking features: No Garage,Driveway

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 FloodingVery High
  • Cold Wave
    Cold WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Winter Weather
Landslide
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Delaware County and New York

Flood
Hurricane
Severe Storm
Tropical Depression
Tropical 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 $2,017$24,204
Home Insurance *$168$2,016
Property Taxes $462$5,544
Electricity $836$10,042
Total$3,483$41,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,417/yr
40% on housing$104,490/yr
45% on housing$92,880/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: 3.7%
3.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$79This listing

vs Other Active Listings

Avg $/sqft

ZIP 13753$222
Delaware County$185

vs Homes Sold Last Month

Median $/sqft

ZIP 13753
Delaware County$191

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
2026-01-01Listed for sale$549,000

For Sale by Agent

AgentMelissa Wakin-Mostert
BrokerageColdwell Banker Timberland Properties

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