395 State Route 38, Harford, NY, 13784
About This Home
Charming Brick Colonial in Harford, NY. Step back in time with this beautifully preserved brick Colonial built in 1820, showcasing the timeless craftsmanship and architectural detail of a bygone era. From the original door hardware and rich woodwork to the gleaming hardwood floors, this home radiates warmth and historic charm throughout. The formal living room is highlighted by crown molding above the full-length windows, filling the space with natural light and classic elegance. The home blends its historic character with modern updates, including a new metal roof, updated downstairs bathroom, and a large screened-in porch perfect for summer evenings or morning coffee. A large covered front porch extends the full length of the house, offering an inviting space to relax and take in the views. Upstairs, the primary bedroom suite includes a private office and its own private master bathroom, creating a quiet and comfortable retreat. Outside, you’ll find a large, oversized two-car barn with a loft, ideal for storage, a workshop, or creative space. Conveniently located in the heart of Harford, this stately property offers the perfect blend of historic character and modern comfort, just minutes from Cortland and Dryden.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1820
Materials
- Foundation: Stone
- Roof: Metal
- Construction materials: Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Exhaust Fan,Gas Oven,Gas Range,Oil Water Heater,Refrigerator,Range Hood
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Crawl Space,Partial
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
Features
- Separate/Formal Dining Room,Entrance Foyer,Home Office,Natural Woodwork,Bath in Primary Bedroom,Workshop
- Flooring: Hardwood,Varies
Heating
- Heating features: Oil,Forced Air
Interior Area
- Total structure area: 2,958
- Total interior livable area: 2,958 sqft
Property
Details
- Parcel number: 11280016201100020030000000
- Special condition: Trust
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered,Porch,Screened
- Exterior features: Gravel Driveway,Porch
Lot
- Lot size: 0.40 Acres
- Features: Irregular Lot
- Lot size dimensions: 84 x 206
Parking
- Total spaces: 2
- Parking features: Detached,Garage,Garage Door Opener
- 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
- Inland Flooding
- Winter Weather
- Cold Wave
- Hail
- Ice Storm
- Lightning
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Cortland 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 | $1,516 | $18,192 |
| Home Insurance * | $322 | $3,864 |
| Property Taxes | $549 | $6,588 |
| Electricity | $488 | $5,866 |
| Total | $2,875 | $34,500 |
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 |
|---|---|---|
| 2026-04-26 | Price change | $305,900 |
| 2026-04-03 | Price change | $309,900 |
| 2026-03-14 | Price change | $314,900 |
| 2026-02-01 | Price change | $319,900 |
| 2025-11-13 | Price change | $324,900 |
| 2024-06-17 | Price change | $356,000 |
| 2024-05-14 | Listed for sale | $366,000 |
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