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23 Chestnut St, Big Flats, NY, 14814

5beds
2baths
2,276sqft
$264,000
$116price/sqft
$2,240/moest. monthly cost
$89,600/yrincome needed

About This Home

Beautiful home in Big Flats for sale. This 5 bedroom, 2 full bath home has been newly renovated with brand new wall to wall carpet and other updates! Featuring 1 acre of flat land perfect for entertaining, gardening, or relaxing as you listen to the sound of the nearby creek. Perfect location for convenience with easy access to I86. Less than 10 mins from Arnot Mall, Elmira-Corning Airport, Harris Hill Amusement Park, and much more! Nestled in a park-like setting, the property offers privacy, space, and convenience. The main level features an open-concept living and dining area filled with natural light from large windows and opens onto a second story deck perfect for entertaining or enjoying peaceful sunsets. Down the hall, you'll find three well-sized bedrooms. The lower level adds flexibility with two more bedrooms featuring proper egress, plus a spacious family room ideal for gathering or relaxing. Home comes with centralized alarm system with broken glass activation alarm to local Fire and Police departments. A large two-car garage provides ample space for parking, storage, or a workshop. This well-loved home is ready to start its next chapter.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

6/10
Big Flats SchoolGrades PK-40.9 mi
5/10
Horseheads Middle SchoolGrades 7-84.7 mi
6/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1976

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Split Level
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Oven,Electric Range,Gas Water Heater,Microwave,Refrigerator,Washer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Features

  • Separate/Formal Living Room,Living/Dining Room,Sliding Glass Door(s),Main Level Primary
  • Door features: Sliding Doors
  • Flooring: Carpet,Tile,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,100

Heating

  • Heating features: Electric,Baseboard

Interior Area

  • Total structure area: 2,276
  • Total interior livable area: 2,276 sqft

Property

Details

  • Parcel number: 07240006600200010460000000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Blacktop Driveway,Deck

Lot

  • Lot size: 1.00 Acres
  • Features: Irregular Lot,Residential Lot
  • Lot size dimensions: 200 x 218

Parking

  • Total spaces: 2
  • Parking features: Attached,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

  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind

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 $1,334$16,008
Home Insurance *$90$1,080
Property Taxes $440$5,280
Electricity $376$4,513
Total$2,240$26,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,800/yr
40% on housing$67,200/yr
45% on housing$59,733/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

$116This listing

vs Other Active Listings

Avg $/sqft

ZIP 14814$134
Chemung County$88

vs Homes Sold Last Month

Median $/sqft

ZIP 14814$106
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
2026-05-11Listed for sale$267,000
2026-01-12Listing removed$262,000
2025-09-19Price change$262,000
2025-07-12Listed for sale$267,000
2003-12-31Sold$137,800

For Sale by Agent

AgentDesiree O'Rourke
BrokerageHoward Hanna Elmira

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