CCertihomes
128 Academy Street, Middletown, NY 12455

$425,000

6 beds 3 baths 3,300 sqft Built 195227 days on marketActive

About this home

Step into a property that does it all—gorgeous turnkey vacation home, lucrative Airbnb, a multi-generational getaway, or a sun-filled retreat with built-in income potential. Whether you're looking for a serene escape from city life, or you're an investor ready to house hack your way to passive income, this property checks every box! Modern & spacious, this home offers two distinct living spaces under one roof—perfect for Airbnb guests, multi-family use, or keeping the upstairs for yourself while the downstairs pays the mortgage. The original section of the home features classic charm with modern styling: wood floors, exposed beams, a cozy wood-burning stove, and an open-concept layout that flows from living room to dining area to a bright, modern kitchen with newer appliances. With two bedrooms on each level and a full bath on both floors, you’ll have plenty of space for guests or renters. The back deck is made for al fresco dinners, stargazing, or lazy weekend mornings with coffee in hand. Upstairs, a sun-soaked addition feels like your own Catskills penthouse. Lofty cathedral ceilings, large skylights, and a wide-open floor plan connect the living, dining, and kitchen areas, all opening to a private balcony with mountain views. The back yard is huge and private, perfect for summer games, a garden, or letting the dogs run around to their hearts content! All this within walking distance to the sweet village of Margaretville with its shops, dining and entertainment! Use one unit, rent the other. Host guests, share with family, or enjoy the entire home to yourself—this is flexibility at its finest. Whether you're escaping the city, building your investment portfolio, or looking for a move-in ready home in a desirable village, this property is ready to welcome you.

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.15% APR.

Your estimated payment
$4,712/mo

Real estate (PITI + HOA + PMI)
$3,781
Principal + interest$2,727
Property tax + insurance$895
PMI / 2nd mortgage$159
Utilities
$2,000
Heating + cooling$852
Internet + TV + phone$130
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$130
$4,712/mo TLC
Budget$5,212/mo
Remaining after TLC$500/mo
Purchase price
$425,000
Down payment
$21,250 (5%)
Loan amount
$403,750
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Contemporary
Year built
1952
Lot size
0.36 ac
Stories
2
Heating
Oil, Baseboard
Cooling
WindowUnits
Water
Connected, Public
HOA
Annual tax
$4,518
MLS #
R1618824
County
Delaware

At a glance

Air conditioning
Fireplace
Basement
Garage (2)

Home features

Appliances
DryerDishwasherElectricOvenElectricRangeMicrowaveRefrigeratorWasher
Interior
EatInKitchenLivingDiningRoomSlidingGlassDoorsSkylights
Exterior
BlacktopDrivewayPrivateYardSeeRemarks
Parking
AttachedGarage
Flooring
Hardwood, Tile, Varies
Sewer
Connected

Lot features

FloodZone, Rectangular, RectangularLot

Neighborhood — 12455

MetricThis ZIPCountyUSA
Population2,33719,351,094299,088,112
Population Change Since19900.00%8.00%20.00%
Population Density33395
Male1,1539,381,926147,432,321
Female1,1849,969,168151,655,844
Never Married4444,946,39163,775,926
Married1,0397,166,701123,120,365
Separated1311,159,67312,639,686
Widowed1401,110,24515,467,586
Divorced2161,210,44823,075,029
Number Of House Hold9347,102,016111,826,380
Average House Hold Size2.472.642.60
Medial Age44.6336.5335.46
Median House Hold Income$36,388$49,847$48,276
Average House Hold Income$49,541$70,032$63,629
P C I$19,991$26,569$24,529
M D I$32,028$42,210$41,133
A T H E$43,431$54,185$50,898
S T R8.00%4.00%
W C J79.97%81.55%77.74%
(Zip) Code
12455

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

Open in Google Maps →

Listing information last refreshed 7/3/2025. Provided courtesy of Keller Williams Upstate NY Properties via Buffalo MLS. Information deemed reliable but not guaranteed.

128 Academy Street · Middletown — $425,000 · Certihomes