20 Quarry St, Cherry Valley, NY, 13320
About This Home
Affordable Homeownership Starts Here! Why keep paying someone else's mortgage when you could own your own home? This move-in ready Cherry Valley property offers an incredible opportunity for first-time homebuyers, downsizers, or investors looking to add a solid rental to their portfolio. Priced at just $115,000, this home has already had the work done. Clean, well-maintained, and tastefully decorated, you can move right in without taking on a long list of projects. Enjoy comfortable living with surprisingly spacious interiors, plenty of natural light, and a layout that makes excellent use of the space. For buyers tired of rising rents, this may be one of the smartest financial decisions you'll make. In many cases, your monthly mortgage payment could be comparable to, or even less than what you're paying in rent, allowing you to build equity instead of helping your landlord build theirs. Investors will also recognize the value. With its affordable price point, low barrier to entry, and strong rental potential, this property is an excellent opportunity to generate income or expand your real estate portfolio. Whether you're buying your very first home, looking to simplify your lifestyle, or searching for an investment that makes financial sense, this Cherry Valley gem deserves a look. Affordable homes in this condition and price range don't come along often, schedule your showing today before it's gone!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1973
Materials
- Foundation: Other,See Remarks
- Construction materials: Wood Siding
Type & Style
- Home type: MobileManufactured
- Architectural style: Mobile Home
- Property subType: Manufactured Home,Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Electric Water Heater,Gas Oven,Gas Range,Microwave,Propane Water Heater,Refrigerator
- Laundry features: Main Level
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 4
Features
- Separate/Formal Dining Room,Eat-in Kitchen,Separate/Formal Living Room,Country Kitchen,Natural Woodwork,Bedroom on Main Level
- Flooring: Carpet,Laminate,Varies,Vinyl
- Number of fireplaces: 2
- Fireplace: Yes
Heating & Cooling
- Heating features: Electric,Gas,Propane,Other,See Remarks,Baseboard,Forced Air
- Cooling features: Other,See Remarks
Interior Area
- Total structure area: 1,400
- Total interior livable area: 1,400 sqft
Property
Details
- Parcel number: 36240105801000010180010000
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered,Porch
- Exterior features: Gravel Driveway,Propane Tank - Leased
Lot
- Lot size: 0.71 Acres
- Features: Pie Shaped Lot,Rural Lot
- Lot size dimensions: 68 x 347
Parking
- Total spaces: 2
- Parking features: Detached,Garage,Storage
- 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
- Inland Flooding
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Otsego County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $581 | $6,972 |
| Home Insurance * | $232 | $2,784 |
| Property Taxes | $58 | $696 |
| Electricity | $246 | $2,954 |
| Total | $1,117 | $13,404 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-07 | Listed for sale | $115,000 |
| 2023-08-10 | Listing removed | -- |
| 2023-07-06 | Listed for rent | $1,150 |
| 2021-01-04 | Sold | $52,000 |
| 2020-11-18 | Pending sale | $59,900 |
| 2020-11-06 | Listed for sale | $59,900 |
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