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4010 Main St, Scio, NY, 14880

3beds
1baths
1,613sqft
$49,000
$30price/sqft
$640/moest. monthly cost
$25,600/yrincome needed

About This Home

Welcome to your next home in the heart of Scio, NY! This charming 3-bedroom, 1-bathroom house is perfect for those seeking a cozy retreat with room to customize to your taste. As you enter, you'll be greeted by the warm and inviting open kitchen and dining area, ideal for family gatherings and entertaining friends. The vaulted ceiling in the spacious living room adds a touch of elegance and plenty of natural light. The convenience of a first-floor bedroom makes this home accessible for all generations. Upstairs, you'll find two more bedrooms, providing ample space for a growing family or guests. The detached garage offers parking and storage space, making it a handy addition for your vehicles and outdoor gear. This property is being sold AS-IS, allowing you to put your personal touch on it and bring out its full potential. With a little TLC, this house can become your dream home. Don't miss out on this fantastic opportunity to make this house your own.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

4/10
Scio Central SchoolGrades PK-120.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1920

Materials

  • Foundation: Stone
  • Construction materials: Composite Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Eat-in Kitchen,Bedroom on Main Level
  • Flooring: Laminate,Varies,Vinyl

Heating

  • Heating features: Gas,Baseboard

Interior Area

  • Total structure area: 1,613
  • Total interior livable area: 1,613 sqft

Property

Details

  • Parcel number: 02660019901800030850
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Blacktop Driveway

Lot

  • Lot size: 0.27 Acres
  • Features: Irregular Lot,Residential Lot

Parking

  • Total spaces: 1
  • Parking features: Detached,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Cold Wave
Lightning
Winter Weather

FEMA Declared Disasters in Allegany County and New York

Flood
Hurricane
Severe Storm
Tropical Depression
Tropical 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 $247$2,964
Home Insurance *$31$372
Property Taxes $96$1,152
Electricity $266$3,198
Total$640$7,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$21,942/yr
40% on housing$19,200/yr
45% on housing$17,066/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$30This listing

vs Other Active Listings

Avg $/sqft

ZIP 14880$284
Allegany County$114

vs Homes Sold Last Month

Median $/sqft

ZIP 14880
Allegany County$89

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
2026-03-04Listed for sale$49,000
2026-02-14Pending sale$49,000
2026-02-03Listed for sale$49,000
2025-12-21Listing removed$49,000
2025-06-20Listed for sale$49,000
2025-04-24Listing removed$49,900
2025-03-19Price change$49,900
2024-10-24Listed for sale$52,900
2024-09-30Listing removed$52,900
2024-09-18Price change$52,900
2024-08-12Price change$54,900
2024-04-09Listed for sale$59,900
2024-04-03Listing removed--
2024-01-03Price change$59,900
2023-12-06Price change$65,500
2023-10-02Listed for sale$69,900

For Sale by Agent

AgentRegis Handley
BrokerageHoward Hanna Professionals - Olean

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