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186 Cty Rt 411 L2.1, Westerlo, NY, 12193

3beds
2baths
1,635sqft
$500,000
$306price/sqft
$3,720/moest. monthly cost
$148,800/yrincome needed

About This Home

GREEN ACRES is the place to be!! Bring your horses or farm animals to this amazing property located in the Hudson Valley in the heart of the great Northern Catskills. There are multiple outbuildings including a horse barn with stalls, hay barn, & workshop. A few of the outbuildings need a little TLC, but most have electric and water. This property is situated on both sides of the street. The opportunities are endless - Purchase the neighboring property (013800 176.-2-2) and you an could have a Family / Business Compound with a legal 2-Family / Multi-Generational Home right there, as well as outbuildings. This would be a great opportunity to have a Country AirBnB. Location is key - Skiing, Hunting, Hiking, Golfing are a hop, skip and a jump away. Close to major highways - 2+ hours away from NYC, 30 minutes to the Capital District, a pleasant drive to many attractions in upstate NY. Greenville School District offers the International Baccalaureate Program and Future Farmers of America. There are many events in the Greenville and surrounding areas year round.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

4/10
3/10
Greenville Middle SchoolGrades 6-83.0 mi
6/10
Greenville High SchoolGrades 9-123.0 mi

Construction

Condition

  • Property condition: Fixer
  • Year built: 1850

Materials

  • Foundation: Stone
  • Roof: Asphalt
  • Construction materials: Aluminum Siding,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Oven,Range
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Eat-in Kitchen
  • Window features: Wood Frames
  • Flooring: Tile,Hardwood
  • Finished area below ground: 0
  • Finished area above ground: 1,635

Heating & Cooling

  • Heating features: Baseboard,Hot Water,Oil
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 1,635
  • Total interior livable area: 1,635 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 176.22.1
  • Special condition: Standard

Features

  • Patio & porch: None
  • Fencing: None
  • Has view: Yes
  • View description: Mountain(s),Pond
  • Has water view: Yes
  • Water view: Pond

Lot

  • Lot size: 53.52 Acres
  • Features: Level,Sloped,Steep Slope

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • 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 FloodingModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Landslide
Lightning
Tornado

FEMA Declared Disasters in Albany 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 $2,528$30,336
Home Insurance *$214$2,568
Property Taxes $708$8,496
Electricity $270$3,242
Total$3,720$44,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$127,542/yr
40% on housing$111,600/yr
45% on housing$99,200/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: -5.7%
-5.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -4.0%
-4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$306This listing

vs Other Active Listings

Avg $/sqft

ZIP 12193$274
Albany County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 12193$191
Albany County$223

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
2026-07-27Price change$500,000
2026-06-05Listed for sale$550,000

For Sale by Agent

AgentTheresa M Donlon
BrokerageVenture Fox Realty Group LLC

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