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1551 County Highway 3, South New Berlin, NY, 13843

3beds
2baths
1,376sqft
$249,900
$182price/sqft
$1,914/moest. monthly cost
$76,560/yrincome needed

About This Home

Escape into the peace and privacy of country living with this ranch-style home situated on 5 picturesque acres. Offering three bedrooms and two full bathrooms, with all the convenience of one floor living. Inside, you will find a generous living space, welcoming living room, well equipped kitchen with abundance of cabinetry. The home features a full basement with impressive 10-foot high ceilings. Endless possibilities with this additional living space. Create a recreation room, home gym, workshop, or just use as additional storage. Step outside onto the 12X60 foot deck perfect for morning coffee or to just relax. Offering a detached 2 car garage with studio apartment above with laundry in garage. Great private space for guests or the option to rent for additional income. With even more space this property offers 12X24 foot tool shed with ample room for lawn equipment, tools, recreational vehicles, or make it your workshop. Set on five beautiful acres, the land provides plenty of room for gardening, recreation, or simply enjoying the outdoors. A gentle creek winds through the property, adding charm and creating a peaceful natural setting that attracts local wildlife and enhances the property's beauty throughout the seasons.

Getting Around

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

Construction

Condition

  • Property condition: Resale
  • Year built: 1970

Materials

  • Foundation: Block
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Exhaust Fan,Electric Water Heater,Refrigerator,Range Hood,Washer

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Entrance Foyer,Eat-in Kitchen,Pull Down Attic Stairs
  • Flooring: Carpet,Tile,Varies
  • Attic: Pull Down Stairs

Heating

  • Heating features: Oil,Hot Water

Interior Area

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

Property

Details

  • Parcel number: 36228930300000010520000000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Dirt Driveway,Gravel Driveway

Lot

  • Lot size: 5.02 Acres
  • Features: Rectangular,Rectangular Lot,Rural Lot,Wooded
  • Lot size dimensions: 196 x 1095

Parking

  • Total spaces: 2
  • Parking features: Underground,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Otsego 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 $1,263$15,156
Home Insurance *$85$1,020
Property Taxes $320$3,840
Electricity $246$2,954
Total$1,914$22,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,622/yr
40% on housing$57,420/yr
45% on housing$51,040/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: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 13843$99
Otsego County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 13843$251
Otsego County$153

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
2026-07-27Listed for sale$249,900

For Sale by Agent

AgentPatrick S. McNeil
BrokerageKeller Williams Upstate NY Properties

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