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120 Main St, Cherry Valley, NY, 13320

2beds
5baths
5,048sqft
$549,000
$109price/sqft
$5,424/moest. monthly cost
$216,960/yrincome needed

About This Home

Historic Splendor Meets Modern Potential: The Tryon Inn Own a piece of American history where the charm of the 18th century meets the limitless potential of your future. The Tryon Inn, a beloved landmark in the historic village of Cherry Valley, is now available for the visionary homeowner. Whether you’re seeking a sprawling family estate, a multi-generational compound, or a sophisticated "live-work" lifestyle, this property offers a canvas of character. The Main Residence: A Grand Colonial Revival Currently operating as a restaurant and tavern, the main building has the architectural heritage that could transition into a luxurious primary home. Expansive rooms with high ceilings, original woodwork, and classic hearth offer a warmth that modern builds simply cannot replicate. The professional-grade kitchen and spacious dining areas provide the ultimate foundation for hosting unforgettable gatherings. Retain the iconic barroom as a home bar and entertaining space. The Historic Guest House: 13 Rooms of Opportunity Situated steps away is the historic 13-room Inn building. While requiring renovations to reach its full potential, this structure is a goldmine of flexibility: An Income-Producing Adjunct: Perfect for high-end boutique lodging or long-term rentals in a high-demand area. Private Guest Wing: Create a dedicated space for extended family, an artist’s colony, or a comprehensive home office complex. The estate is set on 4 pristine acres of lush lawn, framed century-old maple trees. Outdoor Living: Plenty of room for a swimming pool, tennis courts, or formal English gardens. Village Charm: in the heart of historic Cherry Valley. Cooperstown (15 mins): World-class culture, dining, and the National Baseball Hall of Fame are just down the road. Albany (1 hour): An easy commute to the state capital and international airport. Nature & Recreation: Close proximity to Otsego Lake and Glimmerglass State Park. Agent’s Note: This is more than a property; it is a legacy. Meticulously maintained and steeped in local lore, The Tryon Inn is ready for its next chapter as one of the region’s most prestigious private addresses.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Foundation: Stone
  • Roof: Asphalt,Metal,Pitched,Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic/Antique,Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Refrigerator,Convection Oven,Double Oven,Dishwasher,Exhaust Fan,Electric Oven,Electric Range,Free-Standing Range,Freezer,Gas Cooktop,Gas Oven,Gas Range,Indoor Grill,Microwave,Oven,Oil Water Heater,Refrigerator,Range Hood
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Separate/Formal Dining Room,Living/Dining Room,Bar
  • Flooring: Hardwood,Other,See Remarks,Varies

Heating & Cooling

  • Heating features: Oil,Other,See Remarks,Zoned,Baseboard,Hot Water
  • Cooling features: Other,See Remarks,Zoned,Central Air

Interior Area

  • Total structure area: 5,048
  • Total interior livable area: 5,048 sqft

Property

Accessibility

  • Accessibility features: Accessibility Features,Low Threshold Shower

Details

  • Parcel number: 58.14237.00
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio
  • Exterior features: Deck,Gravel Driveway,Patio

Lot

  • Lot size: 4.25 Acres
  • Features: Irregular Lot,Near Public Transit,Residential Lot
  • Lot size dimensions: 403 x 487

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

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Winter Weather

FEMA Declared Disasters in Otsego 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 $2,776$33,312
Home Insurance *$1,110$13,320
Property Taxes $704$8,448
Electricity $834$10,010
Total$5,424$65,088
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$185,965/yr
40% on housing$162,720/yr
45% on housing$144,640/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: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$109This listing

vs Other Active Listings

Avg $/sqft

ZIP 13320$94
Otsego County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 13320$119
Otsego County$153

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
2026-03-09Listed for sale$549,000

For Sale by Agent

AgentSarah Stewart
BrokerageCooperstown Brokers, LLC

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