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6098 Shady Ln, Franklinville, NY, 14737

3beds
2baths
1,620sqft
$85,900
$53price/sqft
$900/moest. monthly cost
$36,000/yrincome needed

About This Home

Homestead Dream Home. Check out this cottage style three bedroom, 1.2 bath home on a private road, partially wooded lot with a circular driveway. Enter from the side deck entry into a large open living/dining/country kitchen with an island area. Tall windows boast a 180 degree view of the Valley. Seller built a corner TV entertainment area. Laundry room is conveniently located downstairs. Off the kitchen and through the sliding glass doors there is a spacious deck overlooking the side yard gazebo firepit area. The stairwell going upstairs is wide. The hot water tank is located under the stairwell/storage area. Upstairs you will find three bedrooms. They are unfinished and waiting for your design expertise. The primary bedroom has vaulted ceilings with upper side sky light windows. The attic space allows for storage only. There is a room at the top of the stairs that hosts a toilet and a room that could be used for storage closet space. The propane tank is owned. There is a shed currently used for storage and chicken house. The lands are partially sloped with some flat areas perfect for gardens, the view at the back of the home is amazing. Seller is selling AS IS and will make no repairs. Please allow 2 hours notice for showings.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1985

Materials

  • Foundation: Block,Pillar/Post/Pier
  • Construction materials: Attic/Crawl Hatchway(s) Insulated,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Oven,Gas Range,Propane Water Heater,Refrigerator
  • Laundry features: Main Level

Basement

  • Basement: None

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: First

Features

  • Bathroom Rough-In,Separate/Formal Living Room,Country Kitchen,Living/Dining Room,Pantry,Pull Down Attic Stairs,Solid Surface Counters
  • Window features: Thermal Windows
  • Flooring: Carpet,Hardwood,Varies,Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Pull Down Stairs

Heating & Cooling

  • Heating features: Propane,Other,See Remarks
  • Cooling features: Other,See Remarks,Window Unit(s)

Interior Area

  • Total structure area: 1,620
  • Total interior livable area: 1,620 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 04560005900100010410000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Open,Porch
  • Exterior features: Deck,Gravel Driveway,Propane Tank - Owned

Lot

  • Lot size: 1.58 Acres
  • Features: Rectangular,Rectangular Lot,Secluded,Wooded
  • Lot size dimensions: 235 x 294

Parking

  • Parking features: No Garage,Circular 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Cold Wave
Strong Wind
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 $434$5,208
Home Insurance *$62$744
Property Taxes $137$1,644
Electricity $267$3,212
Total$900$10,800
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$30,857/yr
40% on housing$27,000/yr
45% on housing$24,000/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

$53This listing

vs Other Active Listings

Avg $/sqft

ZIP 14737$122
Cattaraugus County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 14737$124
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)

No zestimate history available

Price History

DateEventPrice
2026-03-23Price change$85,900
2026-03-08Price change$135,000
2025-09-10Price change$150,000
2025-05-28Price change$155,000
2025-04-09Price change$165,000
2025-03-21Listed for sale$185,000
2015-04-03Sold$18,999
2005-08-24Sold$6,000

For Sale by Agent

AgentRae Ellen Kyler
BrokerageCentury 21 Turner Brokers

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