89-12 Rutledge Avenue, Ridgewood, NY, 11385
About This Home
Charming two-family home featuring unique character throughout! Featuring a 1st & 2nd Fl duplex with a cozy studio apt below. This property boasts exposed ceiling beams and two fireplaces, adding warmth and charm to both living spaces. The main unit is a spacious first and second floor duplex offering 3 bedrooms, an EIK, formal dining room, a bright living room with a fireplace exposed ceiling beam, beautiful wood floors run throughout, and 1.5 bathrooms complemented by efficient gas heating. An additional studio apartment provides great flexibility for rental income or extended living. The studio unit features a fireplace as well. Exterior features include a garage and a private back deck, perfect for relaxing or entertaining. A fantastic opportunity for both homeowners and investors alike!
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1940
Materials
- Construction materials: Brick
Type & Style
- Home type: MultiFamily
- Property subType: Duplex,Multi Family
Interior
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Features
- First Floor Bedroom,Beamed Ceilings,Eat-in Kitchen,Formal Dining
- Number of fireplaces: 2
- Fireplace: Yes
Heating & Cooling
- Heating features: Has Heating (Unspecified Type)
- Cooling features: None
Interior Area
- Total structure area: 1,600
- Total interior livable area: 1,600 sqft
Property
Details
- Parcel number: 038740075
- Special condition: None
Lot
- Lot size: 3,531 sqft
- Lot size dimensions: 37.17 x 95
Parking
- Total spaces: 1
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Heat Wave
- Cold Wave
- Inland Flooding
- Strong Wind
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Queens 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 | $4,930 | $59,160 |
| Home Insurance * | $257 | $3,084 |
| Property Taxes | $609 | $7,308 |
| Electricity | $264 | $3,172 |
| Total | $6,060 | $72,720 |
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 |
|---|---|---|
| 2026-05-06 | Price change | $1,010,000 |
| 2026-03-27 | Listed for sale | $1,058,000 |
View on Zillow