145 Spencer Street Gilboa, NY ^$ 498,000

145 Spencer Street

^$ 498,000

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Recently Listed

145 Spencer Street

Gilboa, NY, 12076

^$ 498,000

Bedrooms4 Baths1.1 Sq 2,400

Monthly Estimate*

^$ 3,107

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Single Family Home for sale in Gilboa, NY

for $498,000 with 4 bedrooms and 1 full bath, 1 half bath. This 2,400 square foot home was built in 2016 on a lot size of 2.67.

Escape to the tranquility of Gilboa with this immaculate, move-in-ready ranch home set on a generous 2.67 private acres. Whether you're searching for an ideal starter home, a relaxing second home away from the city, or a highly marketable Airbnb investment property, this residence checks every box.

Single Family Active

Price

^$ 498,000

Bedrooms

Full Bath

Half Bath

Property Type

Single Family

Taxes

^$ 1,614

Style

Ranch

Lot Size

2.67

Year Built

2016

Town/City

Gilboa

County/Region

Schoharie

MLS | Web ID

20255999

Features

General

Sewer Septic Tank

Heating Electric

Utilities Cable Available

Roof Metal

Appliances Washer/Dryer Refrigerator Range

Zoning 01

Patio/Porch Features Deck

Architectural Style Ranch

Construction Materials Frame

Year Built 2016

Electric 200+ Amp Service

Township Other

Levels Two

Property Subtype Single Family Residence

County Schoharie

New Construction N

Property Type Residential

HOA N

Attached Garage N

Garage Y/N N

Total Rooms 11

Full Baths 1

Status Active

City Gilboa

Senior Community Y/N N

High School District Gilbertsville Mount Upton Central School District

MLS Area Gilboa

Lot Size Units Acres

Lot Size Square Feet 116305.2

Carport Y/N N

Property Attached Y/N N

Tax Annual Amount 1614.0

Home Warranty Y/N N

Lease Renewal Y/N N

MLS Area Minor Gilboa

Additional Parcels Y/N N

Lease Considered Y/N N

Standard Status Active

Tax Assessed Value 1500

Tax Lot 193.3

Legal Description Single Family Residential

Interior

Basement Finished Walk-Out Access

Total Fireplaces 1

Fireplace Features Living Room

Basement (Y/N) Y

Heating Y/N Y

Fireplace Y/N Y

Above Grade Finished Area 1215.0

Half Baths 1

Laundry Features In Basement

Total Bedrooms 4

Below Grade Finished Area 1215.0

Total Baths 2

Exterior

Exterior Amenities Fire Pit

Water Source Well

Lot Size Area 2.67

Foundation Details Block

Spa N

Building Area Total 2400.0

Lot Size Acres 2.67

Road Surface Type Paved

Waterfront Y/N N

Road Frontage Type County Road

Internal Only

Street Number 1 145

* Excluded Features

List By

Nancy Tritto

Listing Agent

Premier Realty Services, Inc.

Broker

ykt_nancy@yahoo.com

Affordability Calculator

$3,241

Per Month

Monthly Principal & Interest: $3,107
Monthly Property Taxes: $135
Monthly Home Insurance: --

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Down Payment

Loan Term

Interest Rate

Yearly Property Taxes

Yearly Home Insurance

Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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Nearby

Trends
Schools

Single family listings in Gilboa, NY

Average List Price ^$768,446

Percent of Sale Price 54%

About Gilboa, NY

1,322 Population

8% Since 2002

^$69,018 Median Income

51.79 Median Age

23% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

5357738 Elementary School

5357737 Middle School

Unknown High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
12/9/2025	$498,000		Listed Price

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145 Spencer Street, Gilboa, NY, 12076 is a Single Family Home for sale at $498,000 with 2,400 sqft and a lot size of 2.67. 145 Spencer Street has 4 bedrooms, 1.1 baths, and was built in 2016. The property's zip code is 12076 which is in Gilboa, NY

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

All information provided is deemed reliable but is not guaranteed and should be independently verified.

The data relating to real estate on this web site comes in part from the IDX of the Multiple Listing service of Ulster County, Inc. Real estate listings held by brokerage firms other that Weichert Realtors are marked with IDX logo and the detailed information about them includes the name of the listing broker.

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145 Spencer Street

Single Family Home for sale in Gilboa, NY

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