43 Church Street Worcester, NY $ 309,000
43 Church Street
$ 309,000
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43 Church Street

Worcester, NY, 12197
$ 309,000
Bedrooms4 Baths1.2 Sq 3,200

Monthly Estimate*

$ 1,903

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Single Family Home for sale in Worcester, NY

for $309,000 with 4 bedrooms and 1 full bath, 2 half baths. This 3,200 square foot home was built in 1880 on a lot size of 0.39.

Thoughtfully updated while preserving its charm, this exceptional home is filled with warmth and character. This 4-bedroom, 1-full, and 2-half bathroom property showcases striking architectural details, beautiful bay windows both upstairs and downstairs, and an effortless layout. Step inside through the mudroom into a stunning, custom post-and-beam living room anchored by a stone wood-burning fireplace with built-in shelving, recessed lighting, and rich hardwood floors. The heart of the home is the expansive kitchen, featuring soaring cathedral ceilings, granite countertops, ample storage in custom cabinetry, a center island with seating, a built-in desk area, and two ovens—perfect for hosting. This space flows into the open-concept dining room, while elegant French doors open to a versatile main-level bedroom situated near a convenient half bath (with options to complete as a full) and laundry area. Upstairs, the hallway leads to the full bathroom and three bright bedrooms, including a generous primary room that easily accommodates two king beds and features an expansive closet. Transition outdoors to a sprawling Trex deck and charming gazebo. Relax on the custom wood swing in the backyard, enjoy the peaceful sounds of the water, and take advantage of easy access directly down to Decatur Creek. The outdoor space also features a custom playhouse with swings. The property is complete with an impressive, custom-built 2-story, 2-car garage boasting ample storage, classic wainscoting, an interior electric door that closes at the top of the stairs, and a basketball hoop that opens out the top double doors. A large additional room in the back houses the wood gasifier boiler and offers extra storage. Conveniently located near I-88 for easy access to Cobleskill, Albany, Oneonta, Cooperstown, and Binghamton!

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Single Family Active

Price

$ 309,000

Bedrooms

4

Full Bath

1

Half Bath

2

Property Type

Single Family

Taxes

$ 4,676

Style

HistoricAntique,TwoStory

Lot Size

0.39

Year Built

1880

Town/City

Worcester

County/Region

Otsego

MLS | Web ID

R1687337

Features
Interior
Interior Amenities BathroomRoughIn CathedralCeilings SeparateFormalDiningRoom EatInKitchen SeparateFormalLivingRoom GraniteCounters GreatRoom KitchenIsland MainLevelPrimary PrimarySuite
Basement CrawlSpace Partial
Flooring Carpet CeramicTile Hardwood Varies
Total Fireplaces 1
Total Stories 2
Basement (Y/N) Yes
Heating Y/N Yes
Fireplace Y/N Yes
Half Baths 2
Laundry Features MainLevel
Total Bedrooms 4
Main Level Bedrooms 1
Main Level Bathrooms 2
Total Baths 3
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General
Sewer SepticTank
Heating Oil Other SeeRemarks Wood Baseboard HotWater Radiant
Cooling Other SeeRemarks
Utilities ElectricityConnected WaterConnected
Possession CloseOfEscrow
Roof Asphalt Shingle
Appliances Dishwasher ExhaustFan ElectricOven ElectricRange OilWaterHeater Refrigerator RangeHood
Garage Spaces 2.0
Patio/Porch Features Covered Deck Porch
Architectural Style HistoricAntique TwoStory
Construction Materials VinylSiding WoodSiding
School District Worcester
Year Built 1880
Stories Count 2
Township Not Applicable
Levels Two
Property Subtype SingleFamilyResidence
Waterfront Features BeachAccess RiverAccess Stream
County Otsego
Property Type Residential
Attached Garage Yes
Garage Y/N Yes
Other Structures Gazebo
Total Rooms 11
Full Baths 1
Status Active
City Worcester
Body of Water Other
Senior Community Y/N No
High School District Worcester
Number Of Units Total 0
MLS Area Worcester-366600
Lot Size Units Acres
Year Built Details Existing
Tax Annual Amount 4676.0
Property Condition Resale
Standard Status Active
Middle/Junior School District Worcester
Elementary School District Worcester
Tax Assessed Value 87000
TaxOtherAnnualAssessmentAmount 0.0
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Exterior
Exterior Amenities BlacktopDriveway Deck
Parking Features Attached Garage
Lot Features IrregularLot ResidentialLot
Water Source Connected Public
Lot Size Area 0.39
Foundation Details Other SeeRemarks Stone
Building Area Total 3200.0
Lot Dimensions 86X222
Lot Size Acres 0.39
Frontage Length 92
Waterfront Y/N Yes
Road Frontage Type CityStreet
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Internal Only
Street Number 1 43
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* Excluded Features
List By
Keller Williams Upstate Ny Properties

Broker

(607) 376-2279

Phone

Affordability Calculator

$2,292
Per Month
83%
17%
0%
Monthly Principal & Interest
$1,903
Monthly Property Taxes
$390
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
4122717 Elementary School
4122825 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
6/11/2026$309,000 Listed Price

Map


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43 Church Street, Worcester, NY, 12197 is a Single Family Home for sale at $309,000 with 3,200 sqft and a lot size of 0.39. 43 Church Street has 4 bedrooms, 1.2 baths, and was built in 1880. The property's zip code is 12197 which is in Worcester, NY