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137 Mountain Pond View Road, Gilboa, NY, 12076

3beds
2baths
1,456sqft
$375,000
$258price/sqft
$2,951/moest. monthly cost
$118,040/yrincome needed

About This Home

Lovely home in a serene setting, tucked away on 5.6 acres. The spacious open floor plan is complemented by a wood-burning fireplace. There is a large covered deck off the dining room to enjoy summer barbecues. The property is on a private road with access to a large recreational pond to be enjoyed by the members of the HOA. A large two car garage has a second story sleeping area for additional guests. There is an additional shed with a small workshop. It's approximately 25 minutes to Windham Mountain Club or Hunter Mountain. A 3D Walkthrough Tour is available in the digital Lookbook or by request.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

6/10

Construction

Condition

  • Year built: 2016

Materials

  • Foundation: Brick/Mortar
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater,Washer/Dryer,Refrigerator,Range,Microwave,Dishwasher

Bathroom

  • Level: Main

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Door features: Sliding Doors,Storm Door(s)
  • Flooring: Carpet,Tile,Other
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,456

Interior Area

  • Total structure area: 1,456
  • Total interior livable area: 1,456 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Loft

  • Level: Upper

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 202.117.118 201.45.3
  • Zoning: residential

Features

  • Exterior features: Other
  • Frontage type: Other

Lot

  • Lot size: 5.60 Acres

Parking

  • Total spaces: 2
  • Parking features: 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

  • 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 $1,896$22,752
Home Insurance *$222$2,664
Property Taxes $587$7,044
Electricity $246$2,954
Total$2,951$35,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,177/yr
40% on housing$88,530/yr
45% on housing$78,693/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

$258This listing

vs Other Active Listings

Avg $/sqft

ZIP 12076$299
Schoharie County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 12076$157
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)

Price History

DateEventPrice
2026-07-06Listed for sale$375,000
2026-06-15Contingent$375,000
2026-05-22Listed for sale$375,000
2004-11-17Sold$14,000

For Sale by Agent

AgentSheila Word
BrokerageColdwell Banker Village GreenW

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