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3078 State Route 41, Cincinnatus, NY, 13040

2beds
1baths
1,376sqft
$129,000
$94price/sqft
$1,207/moest. monthly cost
$48,280/yrincome needed

About This Home

Convenient, comfortable and cozy describes this well maintained, 1,376 sq ft ranch style home. Located on a rural road with plenty of beautiful countryside views. Low maintenance situated on .56 acre corner lot and ready to move in. 7 year old metal roof and updated windows throughout. One level living featuring a propane stove in the living room. Large eat-in kitchen with plenty of cupboard and counter space and still enough room for any size island you may choose. You'll love the view while standing at the stainless steel sink looking through the large windows. Brightly lit bathroom is next to the two bedrooms making it easy to navigate. Walk into the no-step shower and the stackable washer and dryer are tucked away in the bathroom. Vinyl siding on the exterior was new approximately 5 years ago. Hunters! there is state land across the road where deer head up the hill or run down off the hill into the woods. 7 minute drive to beautiful Knickerbocker Country Club.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

6/10
8/10
6/10
Cincinnatus High SchoolGrades 9-124.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1890

Materials

  • Foundation: Other,See Remarks
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic/Antique,Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Electric Water Heater,Gas Cooktop,Gas Oven,Gas Range,Microwave,Refrigerator,Washer
  • Laundry features: Accessible Utilities or Laundry,Main Level

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s),Eat-in Kitchen,Separate/Formal Living Room,Natural Woodwork,Bedroom on Main Level
  • Window features: Thermal Windows
  • Flooring: Carpet,Hardwood,Varies,Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Electric,Baseboard

Interior Area

  • Total structure area: 1,376
  • Total interior livable area: 1,376 sqft

Property

Accessibility

  • Accessibility features: Low Threshold Shower

Details

  • Parcel number: 11260011100000010080000000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Gravel Driveway,Propane Tank - Leased

Lot

  • Lot size: 0.56 Acres
  • Features: Rectangular,Rectangular Lot,Rural Lot
  • Lot size dimensions: 220 x 110

Parking

  • Parking features: No Garage

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
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Hail
Ice Storm
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Cortland County and New York

Flood
Hurricane
Severe Storm
Tornado
Tropical 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 $652$7,824
Home Insurance *$73$876
Property Taxes $236$2,832
Electricity $246$2,954
Total$1,207$14,484
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,382/yr
40% on housing$36,210/yr
45% on housing$32,186/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: -4.7%
-4.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -3.8%
-3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$94This listing

vs Other Active Listings

Avg $/sqft

ZIP 13040$102
Cortland County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 13040$120
Cortland County$127

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
2026-08-08Price change$120,000
2026-07-23Price change$129,000
2026-07-13Listed for sale$140,000

For Sale by Agent

AgentTracy Koenig
BrokerageYaman Real Estate

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