21 Harrison Avenue, Amsterdam, NY, 12010
About This Home
SPEC - READY WITHIN 90 DAYS. TO BE BUILT. Welcome to Settlers Crossing, a new homeownership community in Amsterdam. This newly constructed Cape-style home offers approximately 1,900 square feet of living space with 4 bedrooms, 3 full bathrooms, and a full basement. The first floor features 3 bedrooms and 2 full bathrooms, along with an open-concept kitchen, dining area, and living room. The second floor includes an additional bedroom and full bathroom, creating a flexible private space for guests, a home office, or extended living needs. Energy-efficient features include all-electric systems, ENERGY STAR® appliances, high-performance insulation, and efficient heating and cooling. The full basement provides substantial storage and additional possibilities. Settlers Crossing is an affordable homeownership program. This home is offered through the New York State Affordable Homeownership Opportunity Program (AHOP) and is intended for qualified homebuyers who meet program requirements set by New York State Homes and Community Renewal (HCR). Buyers must meet income, education, counseling, lender, and program requirements. Purchase price is fixed.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- New construction: Yes
Materials
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cape Cod
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Oven,Range,Refrigerator
Basement
- Has basement: Yes
- Basement: Full
Bedroom
- Level: First
Bedroom
- Level: First
Bedroom
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Level: First
Features
- Finished area below ground: 0
- Finished area above ground: 1,900
Heating & Cooling
- Heating features: Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 1,900
- Total interior livable area: 1,900 sqft
Kitchen
- Level: First
Living Room
- Level: First
Primary Bedroom
- Level: First
Property
Details
- Parcel number: 270100 40.17512
- Special condition: Standard
Features
- Exterior features: None
Lot
- Lot size: 7,405 sqft
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
- Cold Wave
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Montgomery County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $927 | $11,124 |
| Home Insurance * | $85 | $1,020 |
| Property Taxes | $328 | $3,936 |
| Electricity | $313 | $3,767 |
| Total | $1,653 | $19,836 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-17 | Listed for sale | $183,500 |
View on Zillow