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1091 Albany Post Rd, Gardiner, NY, 12525

3beds
5baths
2,331sqft
$1,500,000
$644price/sqft
$10,504/moest. monthly cost
$420,160/yrincome needed

About This Home

1091 Albany Post Road offers a rare opportunity to own a newly created private estate parcel in the heart of Gardiner with panoramic Shawangunk Mountain views and over 1,600 feet of Wallkill River frontage. For this sale, the seller will subdivide the original 78.68-acre parcel to include the primary residence, a detached finished cottage, and approximately 5 acres surrounding the fenced grounds and rear of the home. The remaining acreage will be retained by the owner. The restored Cape-style residence blends historic character with modern updates across roughly 2,200 square feet of living space. Solid oak flooring, exposed beams, and a striking brick fireplace anchor the main living area, creating warmth and architectural interest. The updated kitchen features high-end appliances and clean, contemporary finishes designed for everyday function and entertaining. The home includes three spacious bedrooms, five tiled bathrooms, and a formal dining area suited for gatherings. Exterior improvements include durable hardy board siding, Azek trim, a custom iron fence, and a private blacktop circular drive that enhances curb appeal and privacy. The detached finished cottage provides exceptional flexibility as guest accommodations, studio space, or home office, complete with its own kitchen and bath. Outdoor living is a focal point, highlighted by a 30x40 concrete patio, 10x30 pergola, and masonry fire feature overlooking open meadow and riverfront scenery. The fenced grounds offer a balance of usable lawn and natural landscape, while the surrounding views deliver a true Hudson Valley setting. Conveniently located minutes from Gardiner village and a short drive to New Paltz, the property combines seclusion with accessibility to dining, recreation, and regional amenities. A unique offering for buyers seeking privacy, waterfront, and refined living in one of the Hudson Valley’s most desirable locations.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

7/10
Lenape Elementary SchoolGrades 3-54.6 mi
8/10
New Paltz Middle SchoolGrades 6-86.7 mi
8/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1950

Materials

  • Foundation: Block
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Water Heater,Free-Standing Range,Oven,Refrigerator,Washer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Finished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 5
  • Full bathrooms: 5
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Separate/Formal Dining Room,Eat-in Kitchen,Separate/Formal Living Room,See Remarks,Bedroom on Main Level,In-Law Floorplan
  • Flooring: Ceramic Tile,Hardwood,Varies
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 1,500

Heating & Cooling

  • Heating features: Ductless,Oil,Baseboard,Forced Air,Hot Water
  • Cooling features: Ductless

Interior Area

  • Total structure area: 2,331
  • Total interior livable area: 2,331 sqft

Property

Details

  • Parcel number: 2400093.0040005011.0000000
  • Special condition: Standard

Features

  • Patio & porch: Patio
  • Exterior features: Patio

Lot

  • Lot size: 5 Acres
  • Features: Rectangular,Rectangular Lot
  • Lot size dimensions: 1281 x 410

Parking

  • Parking features: No Garage,Circular Driveway

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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Tornado
Cold Wave
Hail
Hurricane
Winter Weather

FEMA Declared Disasters in Ulster 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 $7,584$91,008
Home Insurance *$510$6,120
Property Taxes $2,025$24,300
Electricity $385$4,622
Total$10,504$126,048
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$360,137/yr
40% on housing$315,120/yr
45% on housing$280,106/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: 2.7%
2.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$644This listing

vs Other Active Listings

Avg $/sqft

ZIP 12525$440
Ulster County$303

vs Homes Sold Last Month

Median $/sqft

ZIP 12525$354
Ulster County$261

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
2026-02-13Price change$1,500,000
2025-10-08Price change$1,750,000
2025-01-20Price change$2,500,000
2024-07-25Price change$1,750,000
2024-03-04Price change$1,799,900
2023-12-05Price change$1,800,000
2021-10-23Listing removed--
2021-07-12Listed for sale$2,500,000
2021-04-23Listed for rent$7,500
2021-04-23Listing removed--
2020-08-03Listed for sale$2,500,000
2020-05-21Listing removed$2,500,000
2019-05-24Listed for sale$2,500,000
2018-09-04Listing removed$2,595,000
2018-03-17Listed for sale$2,595,000
2012-11-05Listing removed$1,000,000
2012-08-04Listed for sale$1,000,000
2004-11-22Sold$735,000

For Sale by Agent

AgentBrandon Mosher
BrokerageRiver Hills Properties LLC Lf

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