Carolyn from New York alerted me to this 14′ x 16′ shed/tiny house available for only $3,000 in Newfield, New York. Located just outside of outside of Ithaca, NY, it looks like it is most likely insulated as it is sheet rocked and since it is so cold in that part of the county Carolyn is pretty sure it must be.
You can visit the Craigslist listing here while it is still available. I have made a screen print of the ad below.