# 145 Spencer Street, Gilboa, NY 12076

> **TL;DR:** 4bd/2ba single family, $388,000 ($162/sqft), built 2016, 2,400 sqft.
> Fireplace. Est. $2,075/mo. Listed 325 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $388,000 |
| Price/sqft | $162 |
| Bedrooms | 4 |
| Bathrooms | 1 full, 1 half |
| Square Feet | 2,400 |
| Year Built | 2016 |
| Lot Size | 116,305 sqft (2.67 acres) |
| Stories | 2 |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 325 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,962 |
| Estimated Insurance | $113 |
| **Total** | **$2,075** |

## Key Amenities

- Fireplace

## Property Highlights

- Built in 2016
- 2.67 acre lot
- 2 stories
- Fireplace

## Description

### Agent Description
Escape to the tranquility of Gilboa with this immaculate, move-in-ready ranch home set on a generous 2.67 private acres. Whether you're searching for an ideal starter home, a relaxing second home away from the city, or a highly marketable Airbnb investment property, this residence checks every box.

## Location

- **Address:** 145 Spencer Street, Gilboa, NY 12076
- **County:** Schoharie
- **Coordinates:** 42.432977, -74.401729
- **Google Maps:** https://www.google.com/maps?q=42.432977,-74.401729

## Listing Agent

- **Name:** Nancy Tritto
- **Brokerage:** Premier Realty Services
- **Broker Phone:** (518) 466-1219
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/145-Spencer-St_Gilboa_NY_12076_M44924-40106?f=listhub&s=UCMLSNY&m=20255999&c=propsimple)

## Photos

![145 Spencer Street - Photo 1](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f3220672999r.jpg)

![145 Spencer Street - Photo 2](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f2488204567r.jpg)

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![145 Spencer Street - Photo 21](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f3752375252r.jpg)

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![145 Spencer Street - Photo 36](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f2754519008r.jpg)

![145 Spencer Street - Photo 37](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f1644546160r.jpg)

![145 Spencer Street - Photo 38](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f1738791379r.jpg)

![145 Spencer Street - Photo 39](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f2647783381r.jpg)

![145 Spencer Street - Photo 40](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f3958697326r.jpg)

![145 Spencer Street - Photo 41](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f2138775245r.jpg)

![145 Spencer Street - Photo 42](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f1210010240r.jpg)

![145 Spencer Street - Photo 43](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f1855180835r.jpg)

![145 Spencer Street - Photo 44](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f2427523000r.jpg)

![145 Spencer Street - Photo 45](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f96653282r.jpg)

![145 Spencer Street - Photo 46](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f3661333690r.jpg)

![145 Spencer Street - Photo 47](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f1254209850r.jpg)

![145 Spencer Street - Photo 48](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f1775713895r.jpg)

![145 Spencer Street - Photo 49](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f450926707r.jpg)

![145 Spencer Street - Photo 50](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f1422330265r.jpg)

![145 Spencer Street - Photo 51](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f1262572000r.jpg)

![145 Spencer Street - Photo 52](http://lh.rdcpix.com/996de6ce3a48123061692cedd84fd407l-f2239007090r.jpg)

---

**MLS#:** 20255999 | **Updated:** 2026-10-23
**Source:** listhub

*Copyright © 2026 Hudson Valley Catskill Region MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://staging.propertysimple.ai/listing/145-spencer-street-gilboa-ny-12076-25991edaf9d645c8ac58b0f74e95f501)

---

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```