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509 S Main St, Bolivar, NY, 14715

4beds
2baths
1,996sqft
$109,900
$55price/sqft
$1,174/moest. monthly cost
$46,960/yrincome needed

About This Home

Well maintained 4 bedroom, 1.5 bath home located in the village of Bolivar NY. Inside the home you will find a first floor laundry room, formal dining room, original hardwood floors, and a sun room that boasts natural light. The front porch of the home is fully enclosed as well as a newly redone side porch with a balcony above. The second floor features high ceilings and ample amount of storage space in each bedroom + an additional storage room and closet space in hallway. Outside the home you will find a blacktop driveway leading to a large detached garage with additional space on the right side for a possible workshop or added parking. Don't miss this opportunity!

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Foundation: Stone
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Gas Water Heater,Refrigerator,Tankless Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Dirt Floor,Partial

Bedrooms & Bathrooms

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

Features

  • Separate/Formal Dining Room
  • Flooring: Carpet,Hardwood,Laminate,Varies

Heating

  • Heating features: Gas,Radiant

Interior Area

  • Total structure area: 1,996
  • Total interior livable area: 1,996 sqft

Property

Details

  • Parcel number: 273.518
  • Special condition: Estate

Features

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

Lot

  • Lot size: 0.44 Acres
  • Features: Irregular Lot,Residential Lot
  • Lot size dimensions: 127 x 140

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind

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 $555$6,660
Home Insurance *$73$876
Property Taxes $217$2,604
Electricity $329$3,958
Total$1,174$14,088
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,251/yr
40% on housing$35,220/yr
45% on housing$31,306/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

$55This listing

vs Other Active Listings

Avg $/sqft

ZIP 14715$47
Allegany County$113

vs Homes Sold Last Month

Median $/sqft

ZIP 14715
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
2026-08-04Pending sale$109,900
2026-07-24Listed for sale$109,900
2003-08-29Sold$68,000

For Sale by Agent

AgentAshley Cole
BrokerageHoward Hanna Professionals - Olean

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