CCertihomes
1574 County Highway 39, Worcester, NY 12197

$699,000

6 beds 4 baths 3,424 sqft Built 20210 days on marketActive

About this home

This expansive 6-bedroom, 3.5-bath modern country home offers over 3, 400 sq ft of finished living space across three levels—perfect for multi-generational living or short-term rental investment. Set on 1.83 peaceful acres with a circular drive and manicured landscaping, the home welcomes you with a deep covered front porch overlooking the gardens. The main level features cathedral ceilings, recessed lighting, and an open layout with high-end finishes throughout. The living room flows into a spacious dining area and custom kitchen with Amish-built range hood and custom built walk-in pantry, stainless appliances, quartz counters and oversized island. A slider leads to the back deck overlooking the yard -perfect for outdoor entertaining. The primary suite includes a walk-in closet and tiled en-suite with double sinks, a walk-in shower and access to the back deck. A flexible bonus room (ideal as a formal dining room, den, or playroom), half bath off the mudroom/garage entry, and a laundry room with plumbed utility sink complete the main floor. Upstairs you'll find three additional bedrooms, a full bath, a lofted guest/office with closet, and an extra loft space ideal for a playroom or lounge. The walk-out finished basement includes a 2 large bedrooms, full bath with stand-up shower, family room, and workout area. It's already wired and plumbed for a second kitchen, offering excellent potential for a rental, in-law suite, or private guest quarters with its own entrance. Outside you will find enough room for some chickens and a nice sized garden or a place to enjoy nature. Built for energy efficiency and durability with an ICF foundation, mini-split heating/cooling, each room has zoned electric heat, and the entire home is spray foam insulated with a whole-house air exchange system. Extras include a reverse osmosis water system, propane fireplace (not connected), cement basketball court, and oversized garage. Just 20 minutes to Oneonta and 30 minutes to Cooperstown. A rare find for flexible living and income potential in a peaceful country setting.

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrJumbo at 4% APR.

Your estimated payment
$5,930/mo

Real estate (PITI + HOA + PMI)
$5,210
Principal + interest$3,170
Property tax + insurance$1,778
PMI / 2nd mortgage$262
Utilities
$1,787
Heating + cooling$747
Internet + TV + phone$127
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$127
$5,930/mo TLC
Budget$6,430/mo
Remaining after TLC$500/mo
Purchase price
$699,000
Down payment
$34,950 (5%)
Loan amount
$664,050
APR
4%

Quick facts

Type
SingleFamilyResidence
Style
CapeCod
Year built
2021
Lot size
1.83 ac
Stories
2
Heating
Ductless, Electric, Baseboard
Cooling
Ductless
Water
Well
HOA
Annual tax
$12,135
MLS #
R1625862
County
Otsego

At a glance

Air conditioning
Fireplace
Basement
Garage (2)

Home features

Appliances
DoubleOvenDishwasherExhaustFanFreeStandingRangeOvenPropaneWaterHeaterRefrigeratorRangeHood
Interior
AtticBreakfastBarCathedralCeilingsSeparateFormalDiningRoomEatInKitchenSeparateFormalLivingRoomHomeOfficeKitchenIslandOtherPantrySeeRemarksSlidingGlassDoorsStorageMainLevelPrimaryPrimarySuite
Exterior
ConcreteDrivewayGravelDrivewayPatio
Parking
AttachedGarageOther
Flooring
Carpet, Varies
Roof
Shingle
Sewer
SepticTank

Lot features

Rectangular, RectangularLot

Neighborhood — 12197

MetricThis ZIPCountyUSA
Population2,12419,351,094299,088,112
Population Change Since19902.00%8.00%20.00%
Population Density32395
Male1,0099,381,926147,432,321
Female1,1159,969,168151,655,844
Never Married3894,946,39163,775,926
Married9447,166,701123,120,365
Separated941,159,67312,639,686
Widowed2001,110,24515,467,586
Divorced1511,210,44823,075,029
Number Of House Hold8257,102,016111,826,380
Average House Hold Size2.562.642.60
Medial Age40.3036.5335.46
Median House Hold Income$33,999$49,847$48,276
Average House Hold Income$39,401$70,032$63,629
P C I$15,304$26,569$24,529
M D I$30,223$42,210$41,133
A T H E$37,533$54,185$50,898
S T R8.00%4.00%
W C J83.66%81.55%77.74%
(Zip) Code
12197

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

Map & walkability

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Listing information last refreshed 7/30/2025. Provided courtesy of Keller Williams Upstate NY Properties via Buffalo MLS. Information deemed reliable but not guaranteed.