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55 Pennock Brook Dr W, Richland, NY, 13144

2beds
1baths
968sqft
$129,900
$134price/sqft
$1,156/moest. monthly cost
$46,240/yrincome needed

About This Home

Brand new cabin just waiting for you to put the finishing touches on to make it your own! Located on a private road in a prime recreational area and offers direct access to both the snowmobile & ATV trail systems. The cabin offers an open floor plan with vaulted ceiling and large windows bringing the outdoors in. Ceiling is mostly finished with tongue and grove, the materials are present to finish. Full basement with forced air furnace and sump pump. Cabin is insulated and has electric hooked up, ideal for use while finishing. Cabin was fully permitted. Step right in and take over this new build to make it yours.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
3/10
Sandy Creek Middle SchoolGrades 6-810.5 mi
5/10
Sandy Creek High SchoolGrades 9-1210.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2024

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Frame

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Other,See Remarks,Bedroom on Main Level
  • Window features: Thermal Windows
  • Flooring: Other,See Remarks

Heating

  • Heating features: Propane,Forced Air

Interior Area

  • Total structure area: 968
  • Total interior livable area: 968 sqft

Property

Details

  • Parcel number: 35400006400400060220000000
  • Special condition: Standard

Features

  • Patio & porch: Covered,Porch
  • Exterior features: Dirt Driveway,Gravel Driveway,Propane Tank - Leased

Lot

  • Lot size: 0.48 Acres
  • Features: Rectangular,Rectangular Lot
  • Lot size dimensions: 140 x 150

Parking

  • Parking features: No Garage

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 FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Winter Weather
Tsunami

FEMA Declared Disasters in Oswego County and New York

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter 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 $656$7,872
Home Insurance *$43$516
Property Taxes $211$2,532
Electricity $246$2,954
Total$1,156$13,872
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$39,634/yr
40% on housing$34,680/yr
45% on housing$30,826/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: 3.8%
3.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$134This listing

vs Other Active Listings

Avg $/sqft

ZIP 13144$124
Oswego County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 13144$134
Oswego County$135

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
2026-04-18Price change$129,900
2026-02-09Listed for sale$139,900

For Sale by Agent

AgentCindy Mears
BrokerageTug Hill Real Estate

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