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6385 Boston State Rd #28, Hamburg, NY, 14075

4beds
3baths
1,681sqft
$549,000
$327price/sqft
$4,012/moest. monthly cost
$160,480/yrincome needed

About This Home

Welcome to The Cottages! This is the most sought after patio home subdivison due to the favorable condo status for taxes and proximity to Hamburg Village and Hamburg Golf Course. The Seller was very active in the homebuilding community prior to moving here, and the smart features in this design were added for perfect flexibility. Two bedrooms and two full baths are located on the first floor, and another full bath with two usable bedrooms upstairs for guests or family (one room sans closet). Some of the rooms and baths have had very little use since new since this was a single occupant. Extra windows let in natural light, and an extra door from the garage lets you into either the first floor laundry or straight to the stylish kitchen. The living room has a custom fireplace with access to the rear covered patio overlooking a choice lot. A whole house automatic generator offers peace of mind, and the kitchen is fully applianced. To top it off there is a big beautiful unfinished basement that's a blank slate for anything else you have in mind. Showings start immediately by appointment only. Also listed under single family see ML# B1674307

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

8/10
Hamburg Middle SchoolGrades 6-81.2 mi
9/10
Hamburg High SchoolGrades 9-121.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2021

Materials

  • Roof: Architectural,Shingle
  • Construction materials: Other,See Remarks,Copper Plumbing

Type & Style

  • Home type: Condo
  • Architectural style: Patio Home
  • Property subType: Townhouse,Condominium,Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Oven,Electric Range,Gas Water Heater,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Egress Windows,Full,Sump Pump

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Separate/Formal Dining Room,Entrance Foyer,Separate/Formal Living Room,Guest Accommodations,Country Kitchen,Kitchen Island,Bedroom on Main Level,Programmable Thermostat
  • Window features: Thermal Windows
  • Flooring: Carpet,Laminate,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,681
  • Total interior livable area: 1,681 sqft

Property

Details

  • Parcel number: 1448891961100002001000
  • Special condition: Standard
  • Other equipment: Generator

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Open,Porch
  • Exterior features: Sprinkler/Irrigation

Lot

  • Lot size: 8,712 sqft
  • Features: Irregular Lot,Other,See Remarks
  • Lot size dimensions: 104 x 100

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Other,See Remarks,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Winter Weather
Tsunami

FEMA Declared Disasters in Erie County and New York

Flood
Severe Storm
Snowstorm
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 $2,776$33,312
Home Insurance *$173$2,076
Property Taxes $786$9,432
Electricity $277$3,333
Total$4,012$48,144
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$137,554/yr
40% on housing$120,360/yr
45% on housing$106,986/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: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.9%
-0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$327This listing

vs Other Active Listings

Avg $/sqft

ZIP 14075$169
Erie County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 14075$216
Erie County$190

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
2026-04-17Listed for sale$585,000

For Sale by Agent

AgentMark A Kaminski
BrokerageHoward Hanna WNY Inc.

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