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90 Gaylord St, Binghamton, NY, 13904

4beds
2baths
1,630sqft
$130,000
$80price/sqft
$1,241/moest. monthly cost
$49,640/yrincome needed

About This Home

Welcome to 90 Gaylord Street! Great for owner-occupy or a smart addition to your rental portfolio! Conveniently located near shopping, schools, restaurants, and the bus line, this property offers excellent accessibility and strong appeal for tenants. Many newer updates have already been completed, helping reduce upfront maintenance costs and improving overall value. Don’t miss your chance to own a well-located, income-generating property with solid potential. Contact your favorite real estate professional and come take a look!

Getting Around

52
WalkingSomewhat Walkable
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

5/10
Calvin Coolidge SchoolGrades PK-50.1 mi
4/10
East Middle SchoolGrades 6-80.2 mi
3/10
Binghamton High SchoolGrades PK,9-122.1 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Basement
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater
  • Laundry features: Washer Hookup,Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet,Vinyl
  • Finished area above ground: 1,630

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total interior livable area: 1,630 sqft

Property

Details

  • Parcel number: 03020014507000040370010000
  • Zoning: 2 Family Res
  • Zoning description: 2 Family Res

Features

  • Patio & porch: Enclosed,Porch

Lot

  • Lot size: 6,098 sqft
  • Features: Level
  • Lot size dimensions: 50 x 125

Parking

  • Parking features: 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

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

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
Lightning
Tornado

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 $657$7,884
Home Insurance *$76$912
Property Taxes $239$2,868
Electricity $269$3,232
Total$1,241$14,892
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$42,548/yr
40% on housing$37,230/yr
45% on housing$33,093/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

$80This listing

vs Other Active Listings

Avg $/sqft

ZIP 13904$85
Broome County$108

vs Homes Sold Last Month

Median $/sqft

ZIP 13904$105
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
2026-05-12Price change$135,000
2026-04-29Listed for sale$145,000
2025-06-29Listing removed$160,000
2025-05-15Listed for sale$160,000
2022-01-28Sold$80,000
2021-11-16Pending sale$89,900
2021-09-30Listed for sale$89,900
2018-11-28Listing removed$65,000
2018-10-03Price change$65,000
2018-08-19Listed for sale$69,900
2015-09-21Listing removed$750
2015-08-27Listed for rent$750
2014-09-05Sold$55,000
2002-10-02Sold$45,000
1994-12-15Sold$42,000

For Sale by Agent

AgentJohn J. Farrell
BrokerageEXIT REALTY HOMEWARD BOUND

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