433 Merchant Road Jefferson, NY $ 395,000
433 Merchant Road
$ 395,000
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433 Merchant Road

Jefferson, NY, 12093
$ 395,000
Bedrooms4 Baths1.1 Sq 1,650

Monthly Estimate*

$ 2,432

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Single Family Home for sale in Jefferson, NY

for $395,000 with 4 bedrooms and 1 full bath, 1 half bath. This 1,650 square foot home was built in 1982 on a lot size of 82.

Escape to the peace and natural beauty of Jefferson in Schoharie County, NY with this artistic country home for sale, set on a quiet paved road with little traffic and surrounded by nature. This property spans 82.1 acres with four spring-fed ponds, open meadows, and a diverse landscape of hardwood forest including sugar maple, ash, and northern black cherry, balanced by replanted pine and spruce. For over 25 years, bluebirds and tree swallows have returned each season to nest, a testament to the harmony and care this land has known. Outdoor recreation is available in every season, with swimming in summer, ice skating in winter, and over one mile of cross-country skiing trails winding through fields and forest. Natural springs and a small stream feed the ponds, creating a peaceful, ever-changing landscape. The property features four separate buildings, each with its own character. The main home offers large windows framing tranquil views of the pond, lawns, and surrounding trees. Inside, an open floor plan, spiral staircase, and cozy woodstove create a warm and inviting space, while a new furnace adds modern comfort. The second house, built in the early 1800s and currently used as a workshop or artist studio, showcases original hand-hewn beams and timeless craftsmanship. The passive solar greenhouse is a separate structure with a built-in Koi pond, staying warm enough for tropical plants to thrive year-round. The large storage pole barn provides abundant space for equipment, cattle, or horses. Whether you seek a full-time residence, a vacation home, or a peaceful retreat, this home in Jefferson, Schoharie County, NY captures the essence of quiet Upstate living—natural, inspiring, and filled with enduring charm.

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Single Family Active

Price

$ 395,000

Bedrooms

4

Full Bath

1

Half Bath

1

Property Type

Single Family

Taxes

$ 6,602

Style

Contemporary,Custom

Lot Size

82

Year Built

1982

Town/City

Jefferson

County/Region

Schoharie

MLS | Web ID

202610187

Features
General
Sewer Septic Tank
Heating Forced Air Oil
Cooling None
Utilities Cable Available
Possession At Closing
Roof Metal Shingle Asphalt
Appliances Dishwasher Freezer Gas Water Heater Range Refrigerator
Garage Spaces 3.0
Architectural Style Contemporary Custom
Construction Materials Wood Siding
Year Built 1982
Electric 200+ Amp Service
View Meadow Mountain(s) Pond
Property Subtype Single Family Residence
County Schoharie
New Construction N
Property Type Residential
HOA N
Garage Y/N Y
Other Structures Greenhouse Workshop Barn(s) Garage(s)
Total Rooms 13
Full Baths 1
Status Active
Directions From Main Street Cobleskill Straight onto NY-10S/NY7 W/w Main Street Left onto NY-10S Left onto Wharton Hollow Rd Right onto Enid Rd Right onto E. Jefferson Rd/W. Kill Rd turn Right onto Merchant Roa
City Jefferson
High School District Jefferson
Lot Size Units Acres
Lot Size Square Feet 3571920.0
Carport Y/N N
Land Lease Y/N N
Tax Annual Amount 6602.0
Home Warranty Y/N N
Lease Renewal Y/N N
Additional Parcels Y/N N
Lease Considered Y/N N
Rent Control Y/N N
Standard Status Active
Tax Assessed Value 0
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Interior
Basement Slab
Flooring Wood
Fireplace Features Wood Burning Stove
Basement (Y/N) N
Air Conditioning Y/N N
Heating Y/N Y
Fireplace Y/N Y
Above Grade Finished Area 1650.0
Half Baths 1
Total Bedrooms 4
Below Grade Finished Area 0.0
Below Grade Finished Area Source CRS
Above Grade Finished Area Source CRS
Total Baths 2
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Exterior
Exterior Amenities Barn
Lot Features Secluded Road Frontage Views Landscaped
Total Parking 10.0
Lot Size Area 82.0
Foundation Details Slab
Spa N
Lot Size Acres 82.0
Waterfront Y/N N
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
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Internal Only
Street Number 1 433
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* Excluded Features
List By
Matthew Loder

Listing Agent

Country Boy Realty

Broker

(518) 378-1235

Phone

MLoderCBR@gmail.com

Email

Affordability Calculator

$2,982
Per Month
82%
18%
0%
Monthly Principal & Interest
$2,432
Monthly Property Taxes
$550
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% 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
3061828 Elementary School
3061551 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
1/6/2026$395,000 Listed Price

Map


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433 Merchant Road, Jefferson, NY, 12093 is a Single Family Home for sale at $395,000 with 1,650 sqft and a lot size of 82. 433 Merchant Road has 4 bedrooms, 1.1 baths, and was built in 1982. The property's zip code is 12093 which is in Jefferson, NY