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36 Mill St, Binghamton, NY, 13903

5beds
2baths
1,540sqft
$179,000
$116price/sqft
$1,604/moest. monthly cost
$64,160/yrincome needed

About This Home

Welcome to this thoughtfully updated home with modern improvements offering comfort and versatility. Featuring 5 bedrooms, 2 bathrooms, and a functional layout ideal for efficient living. Previously utilized as a successful rental, presenting an excellent opportunity for investors. For those pursuing an investment, a lease is already secured offering built-in income and a seamless transition. Currently vacant, allowing buyers the freedom to move in and customize each space to suit your preference; can be delivered vacant. Whether you're an investor looking to expand your portfolio or a buyer interested in owner-occupying; this property offers flexibility to fit a variety of needs, providing livability or return.

Getting Around

66
WalkingSomewhat Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

4/10
East Middle SchoolGrades 6-81.9 mi
3/10
Binghamton High SchoolGrades PK,9-120.9 mi

Construction

Condition

  • Year built: 1907

Materials

  • Foundation: Basement
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Gas Water Heater,Oven,Refrigerator,Washer

Bathroom

  • Level: Second
  • Dimensions: 5x8

Bedroom

  • Level: First
  • Dimensions: 12x14

Bedroom

  • Level: Second
  • Dimensions: 12x11

Bedroom

  • Level: Second
  • Dimensions: 11x11

Bedroom

  • Level: Second
  • Dimensions: 10x10

Bedroom

  • Level: Second
  • Dimensions: 11x10

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Flooring: Tile,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,540

Half Bath

  • Level: First
  • Dimensions: 5x8

Heating

  • Heating features: Forced Air

Interior Area

  • Total interior livable area: 1,540 sqft

Kitchen

  • Level: First
  • Dimensions: 11x12

Living Room

  • Level: First
  • Dimensions: 12x22

Property

Details

  • Parcel number: 03020016006600060180000000

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Open
  • Exterior features: Deck

Lot

  • Lot size: 4,356 sqft
  • Features: Level
  • Lot size dimensions: 45 x 100

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage,Two Car 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

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Broome 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 $905$10,860
Home Insurance *$116$1,392
Property Taxes $329$3,948
Electricity $254$3,053
Total$1,604$19,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,994/yr
40% on housing$48,120/yr
45% on housing$42,773/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: 3.4%
3.4%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$116This listing

vs Other Active Listings

Avg $/sqft

ZIP 13903$95
Broome County$108

vs Homes Sold Last Month

Median $/sqft

ZIP 13903$113
Broome County$122

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
2026-05-09Listing removed$3,000
2026-04-23Price change$179,000
2026-03-05Listed for sale$195,000
2026-01-08Listed for rent$3,000
2025-10-24Listing removed$3,000
2025-08-16Listed for rent$3,000
2025-06-12Listing removed$3,000
2025-04-07Listed for rent$3,000
2024-11-06Listing removed$3,125
2024-08-21Listed for rent$3,125
2023-10-22Listing removed--
2023-08-26Listed for rent$3,000
2021-03-24Listing removed--
2020-05-03Listing removed$90,000
2020-02-03Listed for sale$90,000
2019-12-20Listing removed$1,500
2019-11-20Listed for rent$1,500
2011-07-20Sold$76,500
2011-04-22Price change$88,500
2011-02-14Listed for sale$89,900

For Sale by Agent

AgentStephanie J Edson
BrokerageKELLER WILLIAMS REALTY GREATER BINGHAMTON

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