45 Hanratty Street, Kingston, NY, 12401 | $419,000

Accented by a striking second-story veranda, this modern home exudes style across three levels of living space. Looking at this home's contemporary finishes and updated systems, it's easy to forget that it's roots date back to Kingston's maritime past. Originally built in 1858 - just 10 years after the founding of the Cornell Steamboat Company - Casa Veranda has stood the test of time.

But in 2021, the home underwent a complete renovation, and is now well-appointed with air conditioning, updated kitchen and baths, efficient mechanicals, stone patio, and a one-car garage - offering residents easy living and peace of mind.

The main level conveniently features front and back entrances, with the back door connecting to the rear yard. The open-flow floorplan on this level allows for flexible furnishing configurations, while ample windows provide natural light, and shelving nooks offer convenient storage. The main feature of this level is the breezy kitchen with shaker cabinetry, quartz countertops, floating shelves, and stainless steel appliances. Flooring on this level is ceramic tile for easy cleanup, and a utility room off the rear entrance contains laundry and mechanicals.

On the second floor are two bedrooms, both with double closets. The larger bedroom at the back of the house features a south facing picture window, while the front bedroom has two windows with added privacy, thanks to the veranda. This level features beautiful original wood floors, and a glass door that provides access to the wood-wrapped upper balcony.

Continuing up to the third level, a finished loft area offers an additional 200sf of flexible space for storage, hobbies, work-from-home, or other uses. This level includes two windows, a closet, recessed lighting, and a laminate wood-look floor.

A 324 sf garage sits toward the back of the lot, with great potential for an accessory dwelling unit under Kingston and Ulster County's ADU programs. Otherwise, it also provides one-car parking and/or storage, and is also connected to electric.

Outside, gravel cover provides permeable patio, yard, and space for work and play. And a true rarity in the city limits - an extra wide driveway at the front of the lot provides parking for up to 4 cars (2x2). From shopping to dining, and boat tours to museums - Kingston's bustling waterfront district is at your fingertips. Plus just a short stroll to Hasbrouck Park, Kingston Point Beach, and the Empire State Trail for connecting with nature.

Features

  • Bedrooms: 2
  • Baths: 1 full / 1 half
  • Lot Size: 50 x 98.3
  • Laundry: Inside, Lower Level
  • Style: Traditional
  • Year Built: 1858
  • Garage: 1-car Detached
  • Heating: Baseboard, Ductless, Heat Pump, Hot Water, Propane
  • Cooling: Ceiling Fan(s), Ductless, Heat Pump, Multi Units
  • Acreage: 0.1
  • Lot Size: 50 x 98.3
  • Est. Taxes: $7,027
  • Lot Desc: City Lot, Few Trees
  • School District: Kingston
  • Appliances: Dishwasher, Gas Range, Refrigerator, Stainless Steel Appliance(s), Tankless Water Heater, Washer/Dryer Stacked
  • MLS#: 20263935
  • Days on Market: 8 days
  • Website: https://www.raveis.com
    /prop/20263935/45hanrattystreet_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 Anatole House LLC

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NMLS Mortgage Loan Originator ID 81725

203.980.8025

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45 Hanratty Street, Kingston, NY, 12401

$419,000

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 $335,200 $335,200 $335,200
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% 6.640% 5.952%
Monthly Tax Payment $586 $586 $586
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,008 $2,116 $2,784
Total Monthly Payment $2,669 $2,777 $3,445

* 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.