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12 Pine Avenue, Johnstown, NY, 12095

3beds
3baths
2,240sqft
$349,500
$156price/sqft
$2,811/moest. monthly cost
$112,440/yrincome needed

About This Home

Tucked into a peaceful neighborhood near Pleasant Ave Elementary, this one-owner Colonial offers the perfect blend of space, comfort and pride of ownership. Built in 2004 and thoughtfully maintained, this move-in ready home features 3 bedrooms, 2.5 baths, over 2,200 sq ft, and a 2-car garage on a beautifully sized 0.31-acre lot. Inside, bright and inviting living spaces create an easy everyday flow. The spacious eat-in kitchen offers abundant cabinetry, generous prep space, and room to gather. While the adjoining living areas feel warm, open and welcoming. Upstairs, generously sized bedrooms include a primary sweet with private bath and walk in closet. Upstairs also includes additional office/flex space. The finished basement adds valuable bonus living space complete with a cedar closet, ideal for a recreation room, home gym, media space, or guest overflow. Outside, enjoy a lovely rear deck overlooking a landscaped backyard with mature trees and a peaceful setting that feels private and serene. Freshly refreshed and exceptionally cared for, this home offers the comfort, space, and setting buyers have been waiting for. Sellers request pre-approved buyers only. Buyer's agent to verify taxes and all information.

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

--
Pleasant Avenue SchoolGrades PK-40.2 mi
6/10
4/10
Warren Street SchoolGrades 3-61.2 mi

Construction

Condition

  • Year built: 2004

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Oven,Range,Refrigerator

Basement

  • Level: Third

Basement

  • Has basement: Yes
  • Basement: Finished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Features

  • Finished area below ground: 1,120
  • Finished area above ground: 2,240

Full Bathroom

  • Level: Second

Full Bathroom

  • Level: Second

Half Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Baseboard,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 2,240
  • Total interior livable area: 2,240 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Office

  • Level: Second

Property

Details

  • Parcel number: 162.1211.2
  • Special condition: Standard

Features

  • Exterior features: Other

Lot

  • Lot size: 0.31 Acres

Parking

  • Total spaces: 4
  • Parking features: 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

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Fulton 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 $1,767$21,204
Home Insurance *$203$2,436
Property Taxes $471$5,652
Electricity $370$4,442
Total$2,811$33,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,377/yr
40% on housing$84,330/yr
45% on housing$74,960/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: 13.8%
13.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$156This listing

vs Other Active Listings

Avg $/sqft

ZIP 12095$131
Fulton County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 12095$122
Fulton County$164

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
2026-05-07Listed for sale$385,000
2026-04-21Listing removed$376,300
2026-03-21Price change$376,300
2026-01-07Price change$374,300
2025-10-15Listed for sale$379,300
2023-05-17Listing removed--
2023-05-03Listed for sale$336,000
2023-05-01Listing removed--
2023-01-19Listed for sale$336,000
2006-07-11Sold$194,995
1995-12-26Sold$10,000

For Sale by Agent

AgentKatie-Anne Isabella
BrokerageOwn It Realty LLC

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