422 Main Street, Franklin, NY, 13775 | $645,000

HISTORIC 422 MAIN - A rare opportunity to own one of the most distinctive mixed-use properties in the western Catskills, 422 Main Street is a landmark building in the heart of the historic village of Franklin. Built in 1878 as the town's original bank and post office, this remarkable property has been thoughtfully restored by two acclaimed designers - Sean Scherer of Kabinett & Kammer and Gary Graham, fashion designer and artist - preserving its architectural character while introducing refined updates. The result is a truly inspiring live/work environment ready for its next chapter.

Natural light is the defining feature throughout. With four exposures and oversized windows on every level, sunlight pours into nearly every space, making the property an exceptional setting for artists, designers, makers, entrepreneurs, or anyone who values beautiful, light-filled interiors.

The ground floor features two expansive storefronts with soaring 11- and 12-foot ceilings, original storefront windows, poured concrete floors, partial wainscoting, and custom partitions crafted from salvaged antique windows. A newly reconstructed front porch and entry, inspired by historic photographs, restores the building's original presence on Main Street. Two half baths serve the commercial spaces, which are ideally suited for retail, gallery, studio, wellness, or creative business use.

Additional income opportunities abound. A spacious one-bedroom apartment at the rear of the first floor (pictures upon request)has an established rental history, while an adjoining flexible commercial space has previously operated as a cafe, antique shop, and professional office.

The second floor is equally impressive. One wing offers a dramatic loft-style studio with 10-foot ceilings and exceptional natural light, currently configured as a fashion design atelier but easily adapted for a wide range of creative or professional uses.

The opposite wing has been transformed into a beautifully restored two-bedroom residence where every detail reflects thoughtful craftsmanship and timeless design. The custom English-inspired kitchen is enveloped in classic beadboard walls & ceiling, and features antique built-ins, a wavy-glass display cabinet, an Italian ceramic farmhouse sink, Kallista brass fixtures, and premium appliances including a Dacor oven, Bosch dishwasher, and KitchenAid refrigerator. Expansive windows frame picturesque views of the surrounding hills and changing seasons.

The adjoining living and sitting rooms are warm, inviting spaces, while the private bedroom wing includes a charming guest bedroom tucked beneath the eaves and a serene primary bedroom with a beautifully appointed bath featuring Waterworks fixtures, honed marble flooring, and a tiled shower. Throughout the residence, carefully selected finishes--including brass switch plates, new Andersen windows, and exceptional period-inspired details--blend historic character with modern ease.

Additional features include a private owner's entrance, interior access between the residential and commercial spaces, four off-street parking spaces, generous storage, and a sweet backyard.

Steeped in history yet thoughtfully reimagined for contemporary living, 422 Main Street presents a truly uncommon opportunity to own a beautifully restored village landmark offering exceptional flexibility for living, creating, and working under one remarkable roof.

Set just 2 hours and 45 minutes from the George Washington Bridge and minutes from Oneonta and Delhi, the building enjoys an ideal balance of small-town charm and everyday convenience.

Features

  • Bedrooms: 3
  • Baths: 3 full / 2 half
  • Laundry: In Basement, Laundry Closet, In Hall
  • Style: Traditional
  • Year Built: 1878
  • Heating: Hot Water, Oil, Radiant Floor
  • Cooling: None
  • Acreage: 0.31
  • Est. Taxes: $5,661
  • Lot Desc: Back Yard, Level, Rectangular Lot
  • View: Rural
  • School District: Franklin Central Schools
  • Appliances: Built-In Electric Oven, Dishwasher, Electric Cooktop, Refrigerator, Washer/Dryer
  • MLS#: 20263730
  • Website: https://www.raveis.com
    /prop/20263730/422mainstreet_franklin_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 Keller Williams Upstate NY

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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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422 Main Street, Franklin, NY, 13775

$645,000

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 $516,000 $516,000 $516,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.952%
Monthly Tax Payment $472 $472 $472
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,090 $3,258 $4,285
Total Monthly Payment $3,654 $3,822 $4,849

* 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.