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656 Johnson St, Elmira, NY, 14901

2beds
1baths
998sqft
$89,900
$90price/sqft
$928/moest. monthly cost
$37,120/yrincome needed

About This Home

Don't miss out on this gem! This centrally located 2-story home is just waiting for it's new owner. Whether you are looking for an affordable, solid home, or a turnkey investment property - this is it! This home has been lovingly maintained making it a smooth transition for whoever purchases it. Featuring off-street parking, spacious updated kitchen, vinyl siding, and a big front porch perfect for enjoying the summer weather!

Getting Around

62
WalkingSomewhat Walkable
0
TransitVery Limited Transit
55
BikeBikeable

Schools

--
Diven SchoolGrades PK-21.0 mi
3/10
Ernie Davis AcademyGrades 7-80.6 mi
3/10
Elmira High SchoolGrades 10-122.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1899

Materials

  • Foundation: Stone
  • Construction materials: Shake Siding,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Separate/Formal Dining Room,Separate/Formal Living Room
  • Flooring: Laminate,Varies,Vinyl

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 998
  • Total interior livable area: 998 sqft

Property

Details

  • Parcel number: 07040008901400030250000000
  • Special condition: Standard

Features

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

Lot

  • Lot size: 1,921 sqft
  • Features: Rectangular,Rectangular Lot
  • Lot size dimensions: 30 x 64

Parking

  • Parking features: No Garage

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
    LightningModerate

How This Home’s Risks Compare

Lightning

FEMA Declared Disasters in Chemung County and New York

Flood
Severe 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 $454$5,448
Home Insurance *$79$948
Property Taxes $149$1,788
Electricity $246$2,954
Total$928$11,136
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,817/yr
40% on housing$27,840/yr
45% on housing$24,746/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: 2.2%
2.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$90This listing

vs Other Active Listings

Avg $/sqft

ZIP 14901$55
Chemung County$88

vs Homes Sold Last Month

Median $/sqft

ZIP 14901$69
Chemung County$98

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
2026-07-31Listed for sale$89,900
2023-01-05Sold$12,000
2018-03-26Sold$12,000
2017-12-04Listing removed$20,000
2017-11-29Price change$20,000
2017-11-09Price change$24,000
2017-10-12Price change$29,000
2017-09-29Price change$34,000
2017-09-24Listed for sale$30,000
2017-04-28Listing removed$38,500
2017-03-05Price change$38,500
2016-12-11Price change$30,000
2016-11-19Price change$36,000
2016-08-15Price change$45,500
2016-05-30Listed for sale$55,500
2016-05-05Listing removed$825
2016-03-21Listed for rent$925
2013-04-19Sold$10,000
2007-05-17Sold$21,000
2005-01-19Sold$25,096

For Sale by Agent

AgentNicholas Magera
BrokerageHoward Hanna Horseheads

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