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10095 Route 242, Little Valley, NY, 14755

4beds
4baths
2,761sqft
$299,999
$109price/sqft
$2,566/moest. monthly cost
$102,640/yrincome needed

About This Home

Welcome to country living with room to spread out! Situated on over 1.5 acres at the Four Corners in the Town of Napoli, this spacious property offers the perfect combination of comfort, flexibility, and outdoor enjoyment. With four bedrooms, plus a dedicated office and a den that could easily serve as additional bedrooms, this home provides plenty of space for guests, hobbies, or working from home. The layout also includes two full bathrooms and two half baths, making everyday living both convenient and functional. A large open kitchen and dining room provide space to move about. Kitchen appliances stay. There is a wood stove in the garage that supplements the propane hot water baseboard heat. Outside, you'll appreciate the circular blacktop driveway, the peaceful pond, and the expansive green space that offers endless opportunities for entertaining, gardening, recreation, or simply relaxing. The attached two-car garage provides convenient access to the home, while the detached three-car garage is a dream for hobbyists, car enthusiasts, or anyone needing extra storage. One bay has been finished into a heated and cooled flex space currently used as a workout room and movie room, creating the perfect year-round retreat. The backyard is designed for enjoying every season, featuring a charming chicken coop and an above-ground pool that's easily accessed from the private deck off the primary suite—your own peaceful escape to start or end the day. Conveniently located with easy access to Ellicottville, Holiday Valley Resort, Allegany State Park, and the surrounding communities, this versatile property offers the space, amenities, and country setting you've been looking for. Whether you're searching for a forever home, a place to entertain, or simply room to enjoy the outdoors, 10095 Route 242 is ready to welcome you home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

5/10
7/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1958

Materials

  • Foundation: Block,Stone
  • Construction materials: Composite Siding,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic/Antique,Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Freezer,Propane Water Heater,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2
  • Main level bathrooms: 2

Features

  • Ceiling Fan(s),Den,Separate/Formal Dining Room,Home Office,Sliding Glass Door(s),Bath in Primary Bedroom,Workshop
  • Door features: Sliding Doors
  • Flooring: Carpet,Hardwood,Laminate,Varies

Heating

  • Heating features: Propane,Wood,Baseboard,Hot Water

Interior Area

  • Total structure area: 2,761
  • Total interior livable area: 2,761 sqft

Property

Details

  • Parcel number: 04620006200300010320010000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Above Ground
  • Patio & porch: Covered,Deck,Porch
  • Exterior features: Blacktop Driveway,Deck,Pool

Lot

  • Lot size: 1.65 Acres
  • Features: Corner Lot,Irregular Lot
  • Lot size dimensions: 215 x 183

Parking

  • Total spaces: 4
  • Parking features: Attached,Garage,Workshop in Garage,Circular Driveway,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Cold Wave
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Cattaraugus 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 $1,516$18,192
Home Insurance *$115$1,380
Property Taxes $479$5,748
Electricity $456$5,475
Total$2,566$30,792
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,977/yr
40% on housing$76,980/yr
45% on housing$68,426/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: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$109This listing

vs Other Active Listings

Avg $/sqft

ZIP 14755$125
Cattaraugus County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 14755$172
Cattaraugus County$99

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)

Price History

DateEventPrice
2026-08-11Price change$294,999
2026-07-15Listed for sale$299,999

For Sale by Agent

AgentTonya Studley
BrokerageERA Team VP Real Estate

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