CCertihomes
2433 State Highway 28, Milford, NY 13820

$249,900

3 beds 1 baths 1,488 sqft Built 19500 days on marketActive

About this home

Charming 3-bedroom, 1-bath Cape with water views of Goodyear Lake! This delightful, move-in ready home offers a perfect blend of cozy character and modern convenience—ideal as a full-time residence, weekend getaway, or income-generating Airbnb. Just minutes away from public lake access for boating, fishing, and swimming. Step inside to freshly painted interiors and beautifully finished hardwood floors throughout. The welcoming layout includes a spacious living room, dining area for sharing meals, three comfortable bedrooms, and a functional breezeway for hot tub or laundry area. Newly installed door off breezeway offers easy access to backyard. A second refrigerator offers added convenience - great for entertaining, weekend hosting or stocking up. Stay comfortable year-round with central air for those hotter months and a newer furnace to keep things cozy in cooler seasons. Enjoy the oversized 2-car garage with an automatic door opener, plenty of workshop space, and enough room for outdoor gear or hobbies. The 2 sheds offer more storage for lawn equipment and gardening tools. Conveniently located within minutes to Cooperstown Baseball Hall of Fame, Dreams Park and All Star Village for baseball fun, this home is a fantastic opportunity for investors or those looking to enjoy upstate New York's four-season lifestyle. Nearby State Forests and other area attractions offer more year-round fun with skiing, hiking, swimming and more. Whether you're looking for a relaxing getaway, a full-time residence, or an Airbnb investment, this property has the location and flexibility to make it yours.

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
$2,820/mo

Real estate (PITI + HOA + PMI)
$2,252
Principal + interest$1,603
Property tax + insurance$555
PMI / 2nd mortgage$94
Utilities
$1,141
Heating + cooling$421
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,820/mo TLC
Budget$5,000/mo
Remaining after TLC$2,180/mo
Purchase price
$249,900
Down payment
$12,495 (5%)
Loan amount
$237,405
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
CapeCod
Year built
1950
Lot size
0.95 ac
Stories
0
Heating
Oil, ForcedAir
Cooling
CentralAir
Water
Well
HOA
Annual tax
$3,224
MLS #
R1627892
County
Otsego

At a glance

Air conditioning
Basement
Garage (2)

Home features

Appliances
DryerDishwasherExhaustFanElectricOvenElectricRangeElectricWaterHeaterRefrigeratorRangeHoodWasher
Interior
SeparateFormalDiningRoomSeparateFormalLivingRoomBedroomOnMainLevelWorkshop
Exterior
BlacktopDriveway
Parking
AttachedElectricityGarageStorageWorkshopInGarageGarageDoorOpener
Flooring
Hardwood, Laminate, Varies, Vinyl
Roof
Asphalt, Shingle
Sewer
SepticTank

Lot features

Rectangular, RectangularLot

Neighborhood — 13820

MetricThis ZIPCountyUSA
Population21,50219,351,094299,088,112
Population Change Since1990-3.00%8.00%20.00%
Population Density222395
Male10,0039,381,926147,432,321
Female11,4999,969,168151,655,844
Never Married6,6924,946,39163,775,926
Married6,2407,166,701123,120,365
Separated3,4471,159,67312,639,686
Widowed1,2781,110,24515,467,586
Divorced1,3731,210,44823,075,029
Number Of House Hold6,7867,102,016111,826,380
Average House Hold Size2.412.642.60
Medial Age27.7936.5335.46
Median House Hold Income$32,937$49,847$48,276
Average House Hold Income$44,031$70,032$63,629
P C I$15,440$26,569$24,529
M D I$29,234$42,210$41,133
A T H E$40,137$54,185$50,898
S T R8.00%4.00%
W C J81.17%81.55%77.74%
(Zip) Code
13820

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

Map & walkability

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Listing information last refreshed 8/6/2025. Provided courtesy of Coldwell Banker Timberland Properties via Buffalo MLS. Information deemed reliable but not guaranteed.