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29 Hadley Road, Stony Creek, NY, 12878

2beds
1baths
1,208sqft
$125,000
$103price/sqft
$1,049/moest. monthly cost
$41,960/yrincome needed

About This Home

Nestled in the small town of Stony Creek, this home is ready for it's next family to bring new life into it. With some TLC, it holds incredible potential. Sitting on beautiful property with a large yard, there's plenty of room to relax, play or garden. Located in a charming small town known for its tight-knit welcoming community, you're also just a short drive to Lake George, Warrensburg and the highway. Enjoy nearby outdoor recreation. Large town park is within walking distance, swim, fish, canoeing and plenty of other activities are right at your door step. Major updates already completed, included is a new leachfield, hot water boiler installed in 2020, and just recently a new panel box! With a flexible layout that can be converted into a multi-family home-and the town currently is in need of apartments-this property offers both comfort and excellent investment potential.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

4/10
3/10

Construction

Condition

  • Property condition: Fixer
  • Year built: 1930

Materials

  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: None
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Partial

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)
  • Flooring: Vinyl,Carpet
  • Finished area below ground: 0
  • Finished area above ground: 1,208

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Hot Water,Oil
  • Cooling features: None

Interior Area

  • Total structure area: 1,208
  • Total interior livable area: 1,208 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Mud Room

  • Level: First

Property

Details

  • Parcel number: 246.19137
  • Special condition: Standard

Features

  • Patio & porch: Front Porch

Lot

  • Lot size: 0.57 Acres
  • Features: Level,Road Frontage,Cleared

Parking

  • Total spaces: 10
  • Parking features: Other,Off Street,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
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Inland Flooding
Winter Weather

FEMA Declared Disasters in Warren 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 $632$7,584
Home Insurance *$38$456
Property Taxes $133$1,596
Electricity $246$2,954
Total$1,049$12,588
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,965/yr
40% on housing$31,470/yr
45% on housing$27,973/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: -1.8%
-1.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 12878$88
Warren County$371

vs Homes Sold Last Month

Median $/sqft

ZIP 12878$252
Warren County$219

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
2025-11-30Price change$135,000
2025-10-30Price change$140,000
2025-10-08Listed for sale$145,000

For Sale by Agent

AgentDenise T Mosono Allen
BrokerageHunt Real Estate ERA

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