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12650 Post St, Boonville, NY, 13309

4beds
2baths
3,302sqft
$349,000
$106price/sqft
$2,989/moest. monthly cost
$119,560/yrincome needed

About This Home

Discover the potential of this expansive 5-bedroom, 2-bathroom farmstead, perfectly suited for a multi-family setup or a spacious single-family conversion! Set on a sprawling green lot, this property combines historic character with functional outbuildings to offer a true rural lifestyle with village perks of public water and sewer. With some TLC, there is endless potential to bring this house back to a beautiful treasure! A massive gambrel barn is a highlight of the property, featuring a soaring wood-beamed interior loft and a reinforced lower level with multiple garage bays and workshop space. Additional storage includes a secondary detached shed and a long, windowed outbuilding ideal for a studio or hobby space. You have some wooded area for privacy in the back as well as a hay field (approx. 10 acres) that is currently cut by a neighbor. Snowmobile trail C7B currently passes through this property. *Property is being sold AS IS-WHERE IS*

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

7/10
4/10
Adirondack Middle SchoolGrades 6-81.1 mi
5/10
Adirondack High SchoolGrades 9-121.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Construction materials: Composite Siding,Wood Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Dirt Floor,Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet,Hardwood,Varies,Vinyl

Heating

  • Heating features: Electric,Forced Air

Interior Area

  • Total structure area: 3,302
  • Total interior livable area: 3,302 sqft

Property

Details

  • Parcel number: 30260103301000010260000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 38.21 Acres
  • Features: Agricultural,Greenbelt,Rectangular,Rectangular Lot,Residential Lot,Wooded
  • Lot size dimensions: 1308 x 150

Parking

  • Total spaces: 3
  • Parking features: Gravel,Two or More Spaces
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $1,764$21,168
Home Insurance *$177$2,124
Property Taxes $503$6,036
Electricity $545$6,548
Total$2,989$35,868
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,480/yr
40% on housing$89,670/yr
45% on housing$79,706/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

$106This listing

vs Other Active Listings

Avg $/sqft

ZIP 13309$117
Oneida County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 13309$160
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)

No zestimate history available

Price History

DateEventPrice
2026-05-01Listed for sale$399,000

For Sale by Agent

AgentJennifer Law
BrokerageGood Morning Realty

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