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651 Us-209, Cuddebackville, NY, 12729

1beds
1baths
1,624sqft
$169,900
$105price/sqft
$1,464/moest. monthly cost
$58,560/yrincome needed

About This Home

This rare and unique property offers a wealth of charm and history, perfect for those seeking a creative restoration project. Originally a church, it has been converted into a single-family home with a studio on the main level. The studio features a kitchen, a spacious bathroom, and plenty of possibilities. Situated on a serene 0.50-acre lot, the property boasts a natural spring, a partially fenced yard, and plenty of room to enjoy the outdoors. Inside, you'll find original features that exude character, including large windows that flood the space with natural light, high ceilings, and wood floors. A balcony overlooks the main level, adding to the property's distinctive appeal. Conveniently located near the Neversink Campgrounds, shopping, the NYS Rail Trail, and NYC railroad transportation, this property offers both charm and accessibility. The owner notes that the property is grandfathered for mixed-use, opening up a world of possibilities. Whether you dream of a unique residence, a studio space, or something entirely different, this property is ready for your imagination to bring it to life! Don't miss this extraordinary opportunity--schedule a viewing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

6/10
7/10
5/10

Construction

Condition

  • Property condition: Fixer
  • Year built: 1895

Materials

  • Foundation: Stone
  • Roof: Fiberglass,Shingle
  • Construction materials: Clapboard,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Range

Basement

  • Has basement: Yes
  • Basement: Dirt Floor,Full,Unfinished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • High Ceilings
  • Flooring: Vinyl,Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,624

Heating & Cooling

  • Heating features: Electric
  • Cooling features: None

Interior Area

  • Total structure area: 1,624
  • Total interior livable area: 1,624 sqft

Property

Details

  • Parcel number: 33280002800000010040000000
  • Zoning: RES

Features

  • Stories: 1
  • Fencing: Chain Link

Lot

  • Lot size: 6,534 sqft
  • Features: Level,Near Public Transit
  • Lot size dimensions: 166 x 132

Parking

  • Parking features: Off Street

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 FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Drought
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Orange County and New York

Fire
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 $859$10,308
Home Insurance *$52$624
Property Taxes $285$3,420
Electricity $268$3,220
Total$1,464$17,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,194/yr
40% on housing$43,920/yr
45% on housing$39,040/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: -1.9%
-1.9%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.6%
-2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$105This listing

vs Other Active Listings

Avg $/sqft

ZIP 12729$185
Orange County$275

vs Homes Sold Last Month

Median $/sqft

ZIP 12729
Orange County$263

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
2026-04-13Listed for sale$169,900

For Sale by Agent

AgentCharlet Wenzel
BrokerageHoward Hanna Rand Realty

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