CCertihomes
228 County Highway 38, Worcester, NY 12064

$199,000

4 beds 2 baths 1,892 sqft Built 190014 days on marketActive

About this home

Welcome to this spacious 4-bedroom Colonial, set on over 2 beautiful acres with mature trees and a paved blacktop driveway. This home offers room to grow, featuring generously sized rooms throughout, including a convenient first-floor bedroom and full bathroom—ideal for guests or one-level living. Step inside from the enclosed front porch and find an inviting layout with a mix of classic charm and functionality. The eat-in kitchen offers plenty of space for gathering, while the large living and dining areas are perfect for entertaining or relaxing with family. Upstairs, you’ll find three more spacious bedrooms and additional storage. Outside, the oversized 4-car garage is a dream for car enthusiasts or hobbyists, complete with a wood stove and a loft area that offers even more potential—think workshop, studio, or extra storage. Whether you’re enjoying a quiet morning under the shade of the towering trees or working on a project in the garage, this property offers the best of country living with the convenience of being just minutes from I-88 for an easy commute.

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
$2,623/mo

Real estate (PITI + HOA + PMI)
$1,972
Principal + interest$1,277
Property tax + insurance$620
PMI / 2nd mortgage$75
Utilities
$1,275
Heating + cooling$491
Internet + TV + phone$127
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$127
$2,623/mo TLC
Budget$5,000/mo
Remaining after TLC$2,377/mo
Purchase price
$199,000
Down payment
$9,950 (5%)
Loan amount
$189,050
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Colonial, TwoStory
Year built
1900
Lot size
2.61 ac
Stories
2
Heating
Oil, Baseboard, HotWater
Cooling
Water
Spring
HOA
Annual tax
$4,354
MLS #
R1625642
County
Otsego

At a glance

Garage (2)

Home features

Appliances
DryerDishwasherElectricOvenElectricRangeElectricWaterHeaterRefrigeratorWasher
Interior
EatInKitchenBedroomOnMainLevel
Exterior
BlacktopDrivewayEnclosedPorchPorch
Parking
DetachedGarage
Flooring
Carpet, Varies, Vinyl
Roof
Shingle
Sewer
SepticTank

Lot features

Rectangular, RectangularLot

Neighborhood — 12064

MetricThis ZIPCountyUSA
Population41819,351,094299,088,112
Population Change Since19900.00%8.00%20.00%
Population Density42395
Male2099,381,926147,432,321
Female2109,969,168151,655,844
Never Married704,946,39163,775,926
Married1987,166,701123,120,365
Separated101,159,67312,639,686
Widowed381,110,24515,467,586
Divorced351,210,44823,075,029
Number Of House Hold1637,102,016111,826,380
Average House Hold Size2.562.642.60
Medial Age42.6736.5335.46
Median House Hold Income$36,499$49,847$48,276
Average House Hold Income$39,123$70,032$63,629
P C I$15,256$26,569$24,529
M D I$32,082$42,210$41,133
A T H E$37,400$54,185$50,898
S T R8.00%4.00%
W C J87.04%81.55%77.74%
(Zip) Code
12064

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

Map & walkability

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Listing information last refreshed 8/3/2025. Provided courtesy of Keller Williams Upstate NY Properties via Buffalo MLS. Information deemed reliable but not guaranteed.