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27 Mallard Brook Ln, New Hartford, NY, 13413

2beds
2baths
1,344sqft
$495,900
$369price/sqft
$3,664/moest. monthly cost
$146,560/yrincome needed

About This Home

Introducing The Catskill — a thoughtfully designed 2-bedroom, 2-bathroom new construction home in the heart of highly sought-after New Hartford. This is a rare and exciting opportunity to build your dream home from the ground up in one of the area’s most charming and desirable locations. With only 11 single-family homes to be built in this exclusive development, buyers will have the unique ability to personalize finishes and features to match their style and vision. The Catskill model offers a perfect blend of comfort, efficiency, and modern design. Enjoy an open and functional layout complemented by premium kitchen cabinetry, elegant stone countertops, and quality craftsmanship throughout. The home is equipped with a high-efficiency furnace and central air conditioning, ensuring year-round comfort and energy savings. Additional highlights include a spacious 2-car garage, front and rear concrete patios ideal for outdoor living, and attic storage space for added convenience. A standout feature of the Catskill is the option to incorporate an Additional Dwelling Unit (ADU)—perfect for extended family, guest accommodations, or potential rental income. This flexible addition enhances both the functionality and long-term value of your home. Whether you're looking to downsize without compromise or secure a low-maintenance, brand-new home in a prime location, this development presents a truly unique chance to create something special. Don’t miss your opportunity to build in the heart of New Hartford—where charm, convenience, customization, and flexibility come together.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

7/10
Perry Junior High SchoolGrades 7-91.1 mi
10/10

Construction

Condition

  • Property condition: Resale
  • Year built: 2026

Materials

  • Foundation: Poured,Slab
  • Roof: Asphalt
  • Construction materials: Attic/Crawl Hatchway(s) Insulated,Other,Vinyl Siding

Other

  • Builder model: Catskill

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater
  • Laundry features: Main Level

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Den,Eat-in Kitchen,Separate/Formal Living Room,Pull Down Attic Stairs,Main Level Primary,Primary Suite
  • Flooring: Luxury Vinyl
  • Attic: Pull Down Stairs

Great Room

  • Level: First

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 1,344
  • Total interior livable area: 1,344 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 339.007670.13
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Blacktop Driveway

Lot

  • Lot size: 0.34 Acres
  • Features: Irregular Lot,Residential Lot
  • Lot size dimensions: 124 x 100

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
Ice Storm
Lightning
Strong Wind

FEMA Declared Disasters in Oneida 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 $2,507$30,084
Home Insurance *$197$2,364
Property Taxes $714$8,568
Electricity $246$2,954
Total$3,664$43,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$125,622/yr
40% on housing$109,920/yr
45% on housing$97,706/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: 3.9%
3.9%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$369This listing

vs Other Active Listings

Avg $/sqft

ZIP 13413$227
Oneida County$144

vs Homes Sold Last Month

Median $/sqft

ZIP 13413$184
Oneida County$152

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
2026-04-20Listed for sale$495,900

For Sale by Agent

AgentLori DiNardo-Emmerich
BrokerageColdwell Banker Faith Properties

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