54 Ontario Street, Albany, NY, 12206
About This Home
Great opportunity to own this 3-bedroom, 1-bath home listed at $135,000. Whether you're a first-time buyer looking to stop renting or an investor seeking to expand your portfolio, this property offers strong potential and value. The home features a functional layout, a full basement for additional storage or future possibilities, and important recent updates including a new heating system and new hot water tank, providing peace of mind for the next owner. With solid fundamentals and room to add your own touches, this property is a great option for affordable homeownership or a rental investment. Don't miss the chance to secure a property at an attractive price point with long-term potential.
Getting Around
Very Walkable
Good Transit
BikeableSchools
Construction
Condition
- Year built: 1890
Materials
- Construction materials: Aluminum Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Electric Oven,Refrigerator
Basement
- Has basement: Yes
- Basement: Unfinished
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
Features
- Finished area below ground: 1,390
- Finished area above ground: 1,390
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 1,390
- Total interior livable area: 1,390 sqft
Kitchen
- Level: First
Living Room
- Level: First
Property
Details
- Parcel number: 010100 65.39168
- Special condition: Standard
Features
- Exterior features: None
Lot
- Lot size: 2,613 sqft
Parking
- Parking features: Other
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
- Lightning
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Albany County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $682 | $8,184 |
| Home Insurance * | $93 | $1,116 |
| Property Taxes | $168 | $2,016 |
| Electricity | $246 | $2,954 |
| Total | $1,189 | $14,268 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-07 | Listed for sale | $135,000 |
| 2023-10-27 | Sold | $30,000 |
| 2023-09-13 | Pending sale | $30,000 |
| 2023-08-28 | Listed for sale | $30,000 |
| 2019-12-06 | Listing removed | $29,000 |
| 2019-11-13 | Listed for sale | $29,000 |
| 2014-10-07 | Sold | $6,500 |
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