188 Union Street, Saugerties, NY, 12477 | $320,000

Looking for that 3-bedroom, 2-bathroom home in Saugerties that you can afford and move right in? 188 Union is the real deal, offering the perfect blend of charm and essentials.
From the moment you step inside, the living room wraps you in the warmth of rich wood paneling and the flicker of the stone-faced pellet stove. the kind of place where you actually want to kick off your boots and stay a while.
The main floor is designed for real life. It features a full bathroom, laundry area, plus the ultimate ''Hudson Valley Essential'': a side entrance mudroom. Whether you're coming back from a day at Hunter Mountain or a muddy spring hike at Platte Clove (both less than 30 minutes away), you have a dedicated space to drop the gear before. Not adventurous, turn it into the pantry and unload your groceries step from the car.

In the kitchen, the real wood cabinetry continues that sense of home, ready for your morning routine. It's a space that feels grounded and authentic, ready for a quick espresso or a long Sunday breakfast. Upstairs, the layout continues with three bedrooms--including one with wide plank floors --and a second full bathroom.

Outside you can choose the front porch for coffee or the rear deck when you're ready to slow down and fire up the grill. A fully fenced-in yard is a dream for dog lovers, providing a secure space for your four-legged family members to roam. Topped of with an above ground pool, you are ready spring turns to summer. The Strategy
In a market of ''fixer-uppers'' and overpriced cottages, this home stands out as move-in-with two updated bathrooms and a layout that works. Whether you're looking for a primary residence that won't break the bank or a savvy investment near HITS and the Village, this sweet home is the answer.

Features

  • Bedrooms: 3
  • Baths: 2 full
  • Style: Other
  • Year Built: 1900
  • Basement: Full
  • Acreage: 0.11
  • Est. Taxes: $5,447
  • School District: Saugerties
  • Appliances: Dishwasher, Electric Range
  • MLS#: 20261799
  • Days on Market: 40 days
  • Website: https://www.raveis.com
    /prop/20261799/188unionstreet_saugerties_ny?source=qrflyer
Copyright © 2026  Hudson Valley Catskill Region MLS
Information is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Hudson Valley Catskills Region
Listing courtesy of Compass Greater New York, LLC

William Raveis Family of Services

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Customer Service

888.699.8876

Contact@raveis.com

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Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 81725

203.980.8025

Frank.Kolb@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
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188 Union Street, Saugerties, NY, 12477

$320,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Frank Kolb

Senior Vice President - Coaching & Strategic

William Raveis Mortgage, LLC

Phone: 203.980.8025

Frank.Kolb@raveis.com

NMLS Mortgage Loan Originator ID 81725

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $256,000 $256,000 $256,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.866%
Monthly Tax Payment $454 $454 $454
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,533 $1,597 $2,109
Total Monthly Payment $2,062 $2,126 $2,638

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.