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214 Main St #212, Richmondville, NY, 12149

7beds
4baths
1,663sqft
$250,000
$150price/sqft
$2,017/moest. monthly cost
$80,680/yrincome needed

About This Home

2 Homes on 1 parcel. It is 2 separate homes on one lot. 214 West Main St 3 bedroom, extra bonus room could be a 4th bedroom. 2 bath with covered front porch. 212 West Main St sits behind the first house 3 bedroom 2 full bath with a 3 car garage attached. Public water and public sewer. Cobleskill Richmondville School District. Minutes to I-88. Easy commute to the Capital area.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1880

Materials

  • Roof: Asphalt,Metal
  • Construction materials: Post and Beam,Vinyl Siding,Wood Siding

Notable Dates

  • Major remodel year: 2025

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Oven

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Flooring: Hardwood,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning Stove
  • Fireplace: Yes
  • Finished area above ground: 1,663

Heating

  • Heating features: Electric,Oil,Baseboard,Forced Air

Interior Area

  • Total structure area: 1,663
  • Total interior livable area: 1,663 sqft

Kitchen

  • Features: Pass-Through,Laminate Counters

Property

Details

  • Parcel number: 434001078.0180003005.000
  • Lease amount: 0

Features

  • Stories: 2
  • Patio & porch: Covered Porch,Open Porch,Deck
  • Has view: Yes
  • View description: Private,Street
  • Frontage length: 0

Lot

  • Lot size: 0.50 Acres
  • Features: Trees

Parking

  • Total spaces: 3
  • Parking features: Driveway,Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

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
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather

FEMA Declared Disasters in Schoharie 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 $1,264$15,168
Home Insurance *$88$1,056
Property Taxes $391$4,692
Electricity $274$3,297
Total$2,017$24,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,154/yr
40% on housing$60,510/yr
45% on housing$53,786/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: 2.5%
2.5%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -4.5%
-4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$150This listing

vs Other Active Listings

Avg $/sqft

ZIP 12149$149
Schoharie County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 12149$189
Schoharie County$160

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
2026-04-24Listed for sale$250,000

For Sale by Agent

AgentTammy Silvestri-putnam
BrokerageBETTER SPACES REALTY

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