19-21 Main Street, Kingston, NY, 12401 | $1,600,000

Built in the early 1900's, this classic Kingston Victorian has the kind of presence you can't replicate--steep front gable, layered rooflines, projecting bay windows, and a full-width covered porch that still functions as intended. The original structure remains intact in all the ways that matter: clapboard siding, strong proportions, and a raised foundation that gives the building both scale and durability. With the exception of the rear cottage which is completing a renovation, 10 units are fully leased, and are not subject to Kingston's ETPA rent control laws.

The main building offers mostly one-bedroom units, supported by new roofs and recent improvements to kitchens, baths, and core systems, along with extensive copper plumbing infrastructure and updated mechanicals. Central gas heating with high efficiency boiler, and individually metered electric service for each unit with electric ranges. A complete reimagining of the rear cottage into a modern four-bedroom residence will be delivered fully completed and leased at closing.

Set within the flexible T5N zoning district and moments from the Stockade District, Uptown retail, and regional transit, the property holds long-term optionality while performing today. The location, infrastructure, and tenant profile converge into a clean, efficient investment--one that feels considered rather than assembled, and positioned to hold its ground and grow in value as the market continues to mature.

Features

  • Bedrooms: 11
  • Units: 11
  • Laundry: In Basement, Common Area, Inside
  • Year Built: 1900
  • Heating: Central, Natural Gas
  • Cooling: Central Air, Heat Pump
  • Basement: Apartment, Full, Storage Space
  • Acreage: 0.21
  • Est. Taxes: $29,141
  • Lot Desc: City Lot
  • School District: Kingston
  • Appliances: Range, Refrigerator
  • Owner Pays: Cable TV, Electricity, Insurance, Telephone
  • MLS#: 20261998
  • Days on Market: 23 days
  • Website: https://www.raveis.com
    /prop/20261998/1921mainstreet_kingston_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 Hudson Modern

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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

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  • Is available to meet with you in our office, your home or office, evenings or weekends
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19-21 Main Street, Kingston, NY, 12401

$1,600,000

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,280,000 $1,280,000 $1,280,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 6.125% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.117% 6.235% 6.058%
Monthly Tax Payment $2,428 $2,428 $2,428
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $7,168 $7,777 $10,715
Total Monthly Payment $9,721 $10,330 $13,268

* 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.