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226 Genesee St, Utica, NY, 13502

--beds
0baths
5,950sqft
$799,900
$134price/sqft
$6,551/moest. monthly cost
$262,040/yrincome needed

About This Home

Don't miss out on this unique downtown Utica property . Discover a remarkable piece of Utica’s history right in the heart of downtown. Nestled on iconic Genesee Street, this versatile and character-filled property offers an exceptional opportunity for entrepreneurs and investors to be part of Utica’s exciting revitalization. Prime location...Surrounded by thriving businesses, restaurants, boutique hotels, and cultural attractions, this property is within walking distance to the brand-new Wynn Hospital, the historic Stanley Theatre, the Adirondack Bank Center (home of the Utica Comets), and the vibrant Harbor Point development. Historic Bar Space....Step inside and experience vintage charm with the beautifully preserved main-level bar — a true gem featuring hand-crafted Meyda Tiffany lighting and the original wood bar from St. Mark’s Tavern, dating back to the 1950s. The space radiates warmth, craftsmanship, and authenticity — perfect for restoring a timeless establishment or reimagining it into something entirely new. Endless potential upstairs...The second and third floors offer incredible potential for loft apartments, creative studios, or unique living/working spaces. Expansive layouts, high ceilings, and large windows flood the rooms with natural light, while original architectural details evoke character and nostalgia — a rare combination in today’s market. Be Part of Downtown’s Renaissance.....Opportunities like this don’t come often — own a distinctive piece of Utica’s story and shape its next chapter.

Getting Around

87
WalkingVery Walkable
0
TransitVery Limited Transit
53
BikeBikeable

Schools

6/10
3/10

Construction

Condition

  • Property condition: Resale,Fixer
  • Year built: 1950

Materials

  • Roof: Membrane,Rubber
  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Architectural style: Fourplex
  • Property subType: Mixed Use,Quadruplex,Multi Family

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Features

  • Flooring: Laminate,Varies

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 5,950
  • Total interior livable area: 5,950 sqft

Property

Details

  • Parcel number: 30160031805000020110000000
  • Special condition: Standard

Features

  • Stories: 3

Lot

  • Lot size: 2,199 sqft
  • Features: Irregular Lot
  • Lot size dimensions: 22 x 100

Parking

  • Parking features: No Driveway

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Ice Storm
Strong Wind

FEMA Declared Disasters in Oneida County and New York

Flood
Severe Storm
Snowstorm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,044$48,528
Home Insurance *$371$4,452
Property Taxes $1,153$13,836
Electricity $983$11,799
Total$6,551$78,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$224,605/yr
40% on housing$196,530/yr
45% on housing$174,693/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 3.9%
3.9%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$134This listing

vs Other Active Listings

Avg $/sqft

ZIP 13502$119
Oneida County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 13502$162
Oneida County$152

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2025-10-14Listed for sale$799,900
2024-08-14Listing removed--
2024-05-11Listed for sale$825,000
2024-05-11Listing removed--
2024-04-17Price change$825,000
2023-12-06Listed for sale$925,000

For Sale by Agent

AgentLori DiNardo-Emmerich
BrokerageColdwell Banker Faith Properties

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