See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

9680 State Route 46, Westernville, NY, 13486

1beds
1baths
500sqft
$150,000
$300price/sqft
$1,299/moest. monthly cost
$51,960/yrincome needed

About This Home

Looking for skiing at Woods Valley or lake enjoyment at Delta ? Check this hidden treasure out on 24 acres of private land and small living space. Road frontage on both sides of rt. 46. Great place to stay for vacations . Zoned RA , Holland Patent School district. Awaiting for tax assesment update. Property being sold as is minus personal contents. Building is winterized.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Construction

Condition

  • Property condition: Resale
  • Year built: 1965

Materials

  • Foundation: Other,See Remarks
  • Roof: Asphalt,Metal
  • Construction materials: Wood Siding,PEX Plumbing

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Propane Water Heater,Refrigerator

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Eat-in Kitchen,Separate/Formal Living Room,Kitchen/Family Room Combo,Storage,Bedroom on Main Level
  • Flooring: Tile,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Propane,Wood,Forced Air

Interior Area

  • Total structure area: 500
  • Total interior livable area: 500 sqft

Property

Details

  • Parcel number: 30660015500000010110010000
  • Special condition: Trust

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Porch,Screened
  • Exterior features: Gravel Driveway,Porch,Propane Tank - Leased

Lot

  • Lot size: 24 Acres
  • Features: Irregular Lot,Other,See Remarks,Wooded
  • Lot size dimensions: 300 x 1162

Parking

  • Total spaces: 1
  • Parking features: Attached,Garage,Storage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Ice Storm
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 $758$9,096
Home Insurance *$79$948
Property Taxes $216$2,592
Electricity $246$2,954
Total$1,299$15,588
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,537/yr
40% on housing$38,970/yr
45% on housing$34,640/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

$300This listing

vs Other Active Listings

Avg $/sqft

ZIP 13486$87
Oneida County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 13486$172
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)

Price History

DateEventPrice
2026-08-13Contingent$150,000
2026-07-21Listed for sale$150,000

For Sale by Agent

AgentPondra Bowen
BrokeragePondras Homes & Hearth Realty LLC

Similar Homes