356 - 358 State Street, Hudson, NY, 12534 | $679,900

Fabulous owner-occupied or investment opportunity in the heart of Hudson on a double lot. This charming three-family home is just two blocks north of Warren Street's shops and restaurants, one block from the Armory, and a short walk to the train station -- an ideal downtown location.

Each unit offers flexible living arrangements: the first- and second-floor apartments are both one-bedroom layouts with an additional office/guest room, living room, kitchen and bath. The lower-level unit is a bright, updated studio with plenty of natural light. The first and second floors have separate utilities, allowing flexible rental or owner-occupancy options. Live in one unit and have more than half your mortgage covered, or combine the first and second floors into a spacious owner's residence while renting the lower-level studio short- or long-term.

Outdoor living is a highlight: a multi-tiered deck provides excellent space for entertaining and evening cocktails. The double lot includes a garage and workshop, plus ample room for gardens or additional outdoor amenities.

Recent updates include a new roof on the house within the last 3-5 years, new gutters and a garage roof replaced less than a year ago. The home retains original charm and character throughout.

Key features:

Prime downtown Hudson location -- walkable to shops, restaurants, Armory, and train

Three-family layout (2 x 1BR + office, 1 x studio)

First & second floors with separate utilities
Multi-tiered deck; double lot with garage & workshop

Garden potential and abundant outdoor space

Recent roof, garage roof, and new gutters

Ideal for owner-occupant or investor

Features

  • Bedrooms: 3
  • Units: 3
  • Year Built: 1890
  • Garage: 1-car Detached
  • Heating: Forced Air, Hot Water, Natural Gas
  • Basement: Partially Finished, Walk-Out Access
  • Acreage: 0.14
  • Est. Taxes: $7,060
  • View: Neighborhood, Trees/Woods
  • School District: Germantown
  • Owner Pays: Electricity, Gas
  • MLS#: 20262840
  • Days on Market: 15 days
  • Website: https://www.raveis.com
    /prop/20262840/356358statestreet_hudson_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 Coldwell Banker Advisor Realty

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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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356 - 358 State Street, Hudson, NY, 12534

$679,900

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 $543,920 $543,920 $543,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.866%
Monthly Tax Payment $588 $588 $588
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,258 $3,434 $4,480
Total Monthly Payment $3,938 $4,114 $5,160

* 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.