160 County Route 403, Westerlo, NY, 12193
About This Home
A rare opportunity to own a truly custom, never-lived-in modern ranch, thoughtfully designed and masterfully built as a forever home. Completed in 2025, this sprawling residence blends timeless materials with high-performance systems, offering coveted single-level living on just over five acres in Westerlo's picturesque countryside, surrounded by open land and Catskill Mountain scenery. Despite being newly constructed, the home carries a sense of warmth and permanence, feeling exceptionally quiet and filled with natural light. This modern farmhouse-inspired executive ranch balances open flow with intuitive, comfortable living. Features include geothermal HVAC, commercial-grade mechanical systems, smart home functionality, wide-plank white oak flooring with natural pine trim and finishes, a gourmet kitchen, a custom stone fireplace, a walk-in butler's pantry, and a beautifully appointed formal laundry room with cabinetry. The primary suite is thoughtfully connected to an oversized walk-in closet with island. Four bedrooms (including a flexible office or guest space) and 2.5 baths complete the main level. The full basement offers approximately 9-foot ceilings with dual access from the garage and rear patio, presenting exceptional potential for future finished living space. Additional highlights include a three-car attached garage with 13-foot ceilings, new well and septic, and nearly every major component of the home carrying a one-time transferable warranty, providing outstanding peace of mind. Located approximately 30 minutes from downtown Albany and the New York State Thruway, under 40 minutes to Hunter Mountain, and about an hour to Saratoga Springs, this home offers both privacy and accessibility. From its quiet strength and natural light to its thoughtful design and enduring materials, this home delivers a rare sense of comfort, permanence, and ease.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2023
Materials
- Foundation: Concrete Perimeter
- Roof: Other,Metal
- Construction materials: Fiber Cement
Type & Style
- Home type: SingleFamily
- Architectural style: Custom,Ranch
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Cooktop,Dishwasher,Electric Oven,Electric Water Heater,Microwave,Range,Range Hood,Refrigerator
- Laundry features: Electric Dryer Hookup,Laundry Room,Washer Hookup
Basement
- Has basement: Yes
- Basement: Exterior Entry,Full,Interior Entry,Unfinished
Bedroom
- Level: First
Bedroom
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Level: First
Features
- Ceiling Fan(s),Vaulted Ceiling(s),Walk-In Closet(s),Cathedral Ceiling(s),Ceramic Tile Bath,Eat-in Kitchen,Kitchen Island,Built-in Features
- Door features: ENERGY STAR Qualified Doors,Sliding Doors
- Window features: Wood Frames,ENERGY STAR Qualified Windows
- Flooring: Other,Wood,Ceramic Tile,Laminate
- Number of fireplaces: 1
- Fireplace features: Insert
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 3,020
Full Bathroom
- Level: First
Half Bathroom
- Level: First
Heating & Cooling
- Heating features: Fireplace Insert,Geothermal,Heat Pump
- Cooling features: Geothermal
Interior Area
- Total structure area: 3,020
- Total interior livable area: 3,020 sqft
Kitchen
- Level: First
Laundry
- Level: First
Living Room
- Level: First
Office
- Level: First
Primary Bathroom
- Level: First
Primary Bedroom
- Level: First
Property
Details
- Parcel number: 175.144.1
- Zoning description: Rural
- Special condition: Standard
Features
- Patio & porch: Rear Porch,Covered,Front Porch,Patio
- Exterior features: None
- Has spa: Yes
- Spa features: Bath
- Has view: Yes
- View description: Trees/Woods,Forest
Lot
- Lot size: 5.37 Acres
- Features: Wooded,Cleared
Parking
- Total spaces: 20
- Parking features: Stone,Attached,Driveway,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- 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
- Inland Flooding
- Landslide
- Lightning
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Albany County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,562 | $66,744 |
| Home Insurance * | $471 | $5,652 |
| Property Taxes | $1,558 | $18,696 |
| Electricity | $499 | $5,989 |
| Total | $8,090 | $97,080 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-01-15 | Listed for sale | $1,300,000 |
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