CCertihomes
109 Westkill Road, Jefferson, NY 12093

$150,000

2 beds 2 baths 1,280 sqft Built 18400 days on marketActive

About this home

Timeless 1840 Cape Cod Ready for Its Next Chapter Step into the story of this classic 1840 Cape Cod—a 1.5-level home offering 2 bedrooms, 2 baths, and approximately 1, 280 sq ft of warm, character-rich living space. Nestled on a manageable 0.3-acre lot, this home is a blend of early American charm and practical updates, waiting for its next caretaker to continue its journey. Inside, discover sunlit rooms with refinished wood floors and the inviting glow of a working fireplace—perfect for quiet evenings or gathering with friends. A sunroom offers a peaceful nook to enjoy morning coffee, while the cozy deck extends your living space outdoors. Original details and vintage touches give each room a sense of history, yet thoughtful improvements by the current owner—including thermal windows, updated appliances, and a newer water heater—add comfort and convenience. Outside, the lilac hedge, mature shrubs, and a quaint fieldstone fence create a private, garden-like feel, adding to the home’s cottage charm. A handy shed provides extra storage for gardening tools or seasonal items. Lovingly kept as a three-season home, this property holds the promise of even more: complete the cosmetic updates to match your vision and transform it into a year-round residence filled with character and warmth. More than just a house, this is an invitation to become part of its long history—to preserve, enhance, and make it truly your own. Bring your ideas and care, and write the next chapter for this timeless Cape Cod.

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
$1,889/mo

Real estate (PITI + HOA + PMI)
$1,373
Principal + interest$962
Property tax + insurance$355
PMI / 2nd mortgage$56
Utilities
$967
Heating + cooling$337
Internet + TV + phone$127
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$127
$1,889/mo TLC
Budget$5,000/mo
Remaining after TLC$3,111/mo
Purchase price
$150,000
Down payment
$7,500 (5%)
Loan amount
$142,500
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
CapeCod
Year built
1840
Lot size
0.3 ac
Stories
0
Heating
Propane, Other, SeeRemarks, Baseboard, ForcedAir, SpaceHeater
Cooling
Other, SeeRemarks
Water
Connected, Public
HOA
Annual tax
$2,020
MLS #
R1625374
County
Schoharie

At a glance

Fireplace
Basement

Home features

Appliances
DishwasherGasOvenGasRangePropaneWaterHeaterRefrigerator
Interior
EntranceFoyerEatInKitchenJettedTubLivingDiningRoomOtherSeeRemarks
Exterior
DirtDrivewayDeckTvAntennaPropaneTankLeased
Parking
NoGarage
Flooring
Hardwood, Varies, Vinyl
Roof
Asphalt, Metal
Sewer
SepticTank

Lot features

Rectangular, RectangularLot

Neighborhood — 12093

MetricThis ZIPCountyUSA
Population1,23619,351,094299,088,112
Population Change Since19904.00%8.00%20.00%
Population Density18395
Male6039,381,926147,432,321
Female6339,969,168151,655,844
Never Married2304,946,39163,775,926
Married6027,166,701123,120,365
Separated311,159,67312,639,686
Widowed901,110,24515,467,586
Divorced711,210,44823,075,029
Number Of House Hold4487,102,016111,826,380
Average House Hold Size2.742.642.60
Medial Age42.1136.5335.46
Median House Hold Income$40,213$49,847$48,276
Average House Hold Income$47,678$70,032$63,629
P C I$17,322$26,569$24,529
M D I$34,999$42,210$41,133
A T H E$42,380$54,185$50,898
S T R8.00%4.00%
W C J72.00%81.55%77.74%
(Zip) Code
12093

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

Map & walkability

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Listing information last refreshed 8/1/2025. Provided courtesy of Coldwell Banker Timberland Properties via Buffalo MLS. Information deemed reliable but not guaranteed.