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81 Baldwin Street, Binghamton, NY, 13903

4beds
6baths
--sqft
$198,000
--price/sqft
$1,739/moest. monthly cost
$69,560/yrincome needed

About This Home

3 Family Moneymaker In the Southside of Binghamton. Great investment opportunity to purchase this fully detached 3 family in the Heart of Broome county. The property features a total of 2300 sq ft of living space on the 2nd fl apartment features a 2bedroom box Rooms 1 full bath month to month lease income of $950 with upside potential. The 2nd unit which is on the 1st fl features 600 sq ft of living space it a 1 bedroom apartment that features a newly renovated kitchen spacious living room, fully tiled bath 1box rooms with lots of closets, Tenant pays $775 on a month-to-month lease. The 3rd unit is also on the 1st fl front unit also features 600 sq ft of living space 1 bedroom Living room Eat in Kitchen full bath at $700.Spacious Back Yard. new furnaces new water tank well maintained property with very low maintenance the property sits on a 51x78 lot. Also including the lot being sold as a package which is 79 Baldwin st lot size 52x84 build an additional 2 Family unit right next door. 3 apartments have no lease with very low expenses Close to all shops and transportation only minutes from the all major highways only 10 minute into Downtown.

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

4/10
East Middle SchoolGrades 6-81.2 mi
3/10
Binghamton High SchoolGrades PK,9-121.4 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1950

Materials

  • Foundation: Stone

Type & Style

  • Home type: MultiFamily
  • Property subType: Triplex,Multi Family

Interior

Appliances

  • Laundry features: Other

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 6
  • Full bathrooms: 6

Features

  • Open Floorplan
  • Window features: Double Pane Windows
  • Flooring: Carpet,Ceramic Tile,Hardwood
  • Attic: Partial

Heating & Cooling

  • Heating features: Ducts
  • Cooling features: None

Property

Details

  • Parcel number: 03020016052331
  • Special condition: None

Lot

  • Lot size: 4,368 sqft
  • Lot size dimensions: 52 x 84

Parking

  • Total spaces: 3
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Carport: Yes
  • Carport 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
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
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 $1,001$12,012
Home Insurance *$128$1,536
Property Taxes $364$4,368
Electricity $246$2,954
Total$1,739$20,868
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$59,622/yr
40% on housing$52,170/yr
45% on housing$46,373/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 13903$94
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)

No zestimate history available

Price History

DateEventPrice
2026-05-06Listed for rent$1,400
2026-03-31Price change$198,000
2025-05-23Listed for sale$195,000
2025-05-06Pending sale$195,000
2025-05-06Contingent$195,000
2025-04-08Price change$195,000
2024-12-29Listing removed$800
2024-12-27Listed for rent$800
2024-07-10Price change$185,000
2024-07-03Listing removed--
2024-06-17Listed for rent$800
2024-05-13Listed for sale$190,000
2024-05-13Listing removed$190,000
2024-03-12Listed for sale$190,000
2023-11-02Listing removed--
2023-10-11Listing removed--
2023-10-09Listed for rent$750
2023-10-01Listing removed--
2023-09-19Listed for rent$700
2023-08-28Listing removed--
2023-07-31Listed for rent$700
2023-07-10Listed for sale$169,000
2023-07-02Listing removed--
2023-06-14Listed for rent$700
2022-01-26Listing removed--
2016-03-21Sold$19,000
2014-07-15Sold$61,804
2005-01-19Sold$62,803

For Sale by Agent

AgentRaymond N. Rivera
BrokerageOne Stop Multi Service Inc

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