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71-73 W Main St, Cuba, NY, 14727

6beds
2baths
2,920sqft
$86,000
$29price/sqft
$1,146/moest. monthly cost
$45,840/yrincome needed

About This Home

Welcome to this charming side-by-side duplex located in the heart of the quaint Village of Cuba! Perfectly positioned within walking distance of the elementary school, local shops, restaurants, the library, and just minutes from beautiful Cuba Lake. The property features a new durable metal roof, offering long-lasting protection and low maintenance for years to come. Each unit features a spacious first floor with a kitchen complete with laundry hookups, dining room, and living room, plus three generously sized bedrooms and a full bath upstairs. Enjoy the shared enclosed front porch — a perfect spot to relax and take in the neighborhood charm. Both units include access to attic and basement space, providing plenty of storage. Convenient off-street parking, providing added ease for tenants. All utilities are separate for ease of management. Each side is individually recorded and assessed, but the advertised listing total square footage and total taxes reflects both units combined. Previous tax bills reflected full market values of $78,000 and $80,000, with recent tax bills showing updated full market values of $58,700 per unit, according to the Allegany County Real Property office. This change has not yet been reflected in the Village taxes; updated Village tax amounts to be released June 1, which should present further added benefit for new ownership. Showings begin immediately!

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

7/10
Cuba Elementary SchoolGrades PK-60.1 mi
3/10
7/10
Cuba Rushford High SchoolGrades 9-121.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Foundation: Stone
  • Roof: Metal
  • Construction materials: Other,Wood Siding

Type & Style

  • Home type: MultiFamily
  • Architectural style: Duplex
  • Property subType: Duplex,Multi Family

Interior

Appliances

  • Appliances included: Gas Water Heater
  • Laundry features: Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet,Hardwood,Laminate,Tile,Varies

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 2,920
  • Total interior livable area: 2,920 sqft

Property

Details

  • Parcel number: 02480116601900040380000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Enclosed Porch,Porch

Lot

  • Lot size: 3,484 sqft
  • Features: Other,Rectangular,Rectangular Lot,See Remarks
  • Lot size dimensions: 26 x 130

Parking

  • Parking features: Two or More Spaces

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 FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Cold Wave
Tornado
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 $434$5,208
Home Insurance *$61$732
Property Taxes $169$2,028
Electricity $482$5,790
Total$1,146$13,752
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$39,291/yr
40% on housing$34,380/yr
45% on housing$30,560/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

$29This listing

vs Other Active Listings

Avg $/sqft

ZIP 14727$109
Allegany County$114

vs Homes Sold Last Month

Median $/sqft

ZIP 14727
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
2026-04-23Listed for sale$99,000
2026-04-23Listing removed$99,000
2026-01-07Listed for sale$99,000
2026-01-01Listing removed$99,000
2025-10-24Listed for sale$99,000
2023-12-03Listing removed--
2023-10-30Listed for sale$99,900
2023-09-21Pending sale$99,900
2023-08-25Listed for sale$99,900

For Sale by Agent

AgentNicole Aldinger
BrokerageHUNT Real Estate Corporation

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