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59821 State Hwy 30, Roxbury, NY, 12474

2beds
1baths
948sqft
$179,000
$189price/sqft
$1,443/moest. monthly cost
$57,720/yrincome needed

About This Home

Rustic charm meets mountain convenience at 59821 State Hwy 30, a 1950 cottage tucked into the heart of Roxbury, New York. Set on a manageable 0.33 acres with classic cottage siding and a durable metal roof, this cottage needs a few finishing touches, but at this price point in this area, it's a rare find and an easy base camp for weekends on the mountain or a slower pace of everyday living. Inside, the eat-in kitchen with a gas range, microwave, and refrigerator flows into a living room and family room built for unwinding after a day outdoors, where a hearth stands ready for a classic wood stove to cozy up to through the winter months. Upstairs, warm wood accents surround two bedrooms offering a quiet spot to rest and recharge before the next adventure. Outside, mornings are made for coffee on the front porch, and the storage shed keeps ski gear, hiking poles, and equipment close at hand and out of the way. The gravel driveway adds a bit of country character on the way in. For outdoor and skiing enthusiasts, the property sits about twenty minutes from Windham Mountain Club and Plattekill Mountain, and around thirty minutes from Hunter Mountain Resort and Belleayre Mountain Ski Center. City escape artists, take note: you're just two and a half hours from the George Washington Bridge. This Roxbury cottage is a laid-back way into Catskills living. Bring your vision, and make it your own.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

5/10
Roxbury Central SchoolGrades PK-125.6 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Shingle Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Oven,Microwave,Range Hood,Refrigerator

Basement

  • Basement: Crawl Space

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Family Room

  • Level: Second

Features

  • Solid Surface Counters,Eat-in Kitchen
  • Flooring: Wood,Ceramic Tile,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 948

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: None

Interior Area

  • Total structure area: 948
  • Total interior livable area: 948 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 91.111
  • Special condition: Standard

Features

  • Patio & porch: Front Porch
  • Exterior features: Other
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 0.33 Acres
  • Features: Wooded

Parking

  • Total 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

  • Inland Flooding
    Inland FloodingVery High
  • Cold Wave
    Cold WaveModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Landslide
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Delaware County and New York

Flood
Hurricane
Severe Storm
Tropical Depression
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 $905$10,860
Home Insurance *$85$1,020
Property Taxes $207$2,484
Electricity $246$2,954
Total$1,443$17,316
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,474/yr
40% on housing$43,290/yr
45% on housing$38,480/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: 3.7%
3.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$189This listing

vs Other Active Listings

Avg $/sqft

ZIP 12474$190
Delaware County$184

vs Homes Sold Last Month

Median $/sqft

ZIP 12474
Delaware County$191

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
2026-07-18Listed for sale$179,000

For Sale by Agent

AgentKevin Lucero
BrokerageCharlotteville Realty LLC

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