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983 Charlotte Valley Road, East Worcester, NY, 12064

0beds
--baths
2,524sqft
$100,000
$40price/sqft
$1,390/moest. monthly cost
$55,600/yrincome needed

About This Home

Opportunity awaits at 983 Charlotte Valley Rd in East Worcester! Situated on just over 6.5 acres of scenic countryside, this property is ideal for investors, contractors, or buyers seeking a full restoration or redevelopment project. The existing home is not currently livable and will require substantial rehabilitation; property is being sold as-is. With expansive acreage, privacy, and a peaceful rural setting, this offering presents excellent potential for renovation, rebuilding, or creating a private retreat in upstate New York. Bring your vision and unlock the possibilities this property has to offer. Selling as is cash offers

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1900

Type & Style

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

Interior

Appliances

  • Appliances included: None

Basement

  • Has basement: Yes
  • Basement: Other

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,524

Interior Area

  • Total structure area: 2,524
  • Total interior livable area: 2,524 sqft

Property

Details

  • Parcel number: 122335.11
  • Zoning: residential

Lot

  • Lot size: 6.71 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • 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
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather

FEMA Declared Disasters in Schoharie 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 $505$6,060
Home Insurance *$312$3,744
Property Taxes $156$1,872
Electricity $417$5,005
Total$1,390$16,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,657/yr
40% on housing$41,700/yr
45% on housing$37,066/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: 2.5%
2.5%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -4.5%
-4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$40This listing

vs Other Active Listings

Avg $/sqft

ZIP 12064
Schoharie County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 12064$37
Schoharie County$160

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
2026-03-10Listed for sale$100,000
2004-11-18Sold$51,000

For Sale by Agent

AgentCarol Decker
BrokerageRVW Select Properties

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