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2403 Niagara St, Buffalo, NY, 14207

4beds
2baths
3,444sqft
$249,900
$73price/sqft
$2,366/moest. monthly cost
$94,640/yrincome needed

About This Home

Welcome to 2403 Niagara Street — a rare waterfront duplex opportunity offering breathtaking sunsets over the Niagara River and incredible upside potential. With approximately 3,500 square feet of living space, this unique multi-family property is ideal for investors, house hackers, or buyers looking to build equity through improvements in a one-of-a-kind setting. The exterior offers character and functionality, featuring wraparound porches on both the first and second floors, an enclosed front porch on the main level, and a private second-floor rear deck — all positioned to capture stunning river views. An attached one-car garage, large driveway, and fully fenced, gated yard add convenience and privacy. Dual utility service with both electric and gas provides flexibility for future updates or configuration. Inside, the property offers spacious living areas and strong separation between units, with several standout features that set it apart. Both the first and second floors include their own laundry rooms — a rare and highly desirable amenity. The second-floor unit features a large kitchen with a wood-burning stove, creating a warm and inviting focal point. You’ll also find a Jacuzzi tub, full vanity area, and walk-in closet upstairs, adding comfort and lifestyle appeal. While the property could benefit from cosmetic updates and renovation, several major improvements have already been completed, including upgraded electrical panels and wiring in 2000, a brand-new furnace in 2025, new hot water tank in 2025, full tear-off roof with new wood and high-wind shingles in 2010, and professional blown-in insulation completed in 2025 from basement to attic for improved efficiency and year-round comfort. A full basement with concrete floors and natural stone walls adds additional storage and utility space. This is a true value-add waterfront opportunity! With the right vision and updates, 2403 Niagara Street has the potential to become a standout rental property, a long-term hold, or an impressive owner-occupied investment. Bring your vision and unlock the potential of waterfront living on the Niagara River. ????

Getting Around

64
WalkingSomewhat Walkable
47
TransitSome Transit
77
BikeVery Bikeable

Schools

3/10
6/10
6/10
Ps 65 Roosevelt AcademyGrades PK-41.0 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Construction materials: Other,See Remarks

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Flooring: Other,See Remarks
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 3,444
  • Total interior livable area: 3,444 sqft

Property

Details

  • Parcel number: 1402000776400001050110
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 9,347 sqft
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 37 x 129

Parking

  • Total spaces: 1
  • Parking features: Concrete
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Winter Weather
Heat Wave
Tornado
Tsunami

FEMA Declared Disasters in Erie County and New York

Flood
Severe Storm
Snowstorm
Winter 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 $1,263$15,156
Home Insurance *$176$2,112
Property Taxes $358$4,296
Electricity $569$6,829
Total$2,366$28,392
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,120/yr
40% on housing$70,980/yr
45% on housing$63,093/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: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.9%
-0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$73This listing

vs Other Active Listings

Avg $/sqft

ZIP 14207$93
Erie County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 14207$110
Erie County$190

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
2026-02-26Price change$274,900
2026-02-11Price change$249,900
2026-01-19Listed for sale$299,900
2025-09-30Listing removed$1,800
2025-09-09Price change$1,800
2025-08-27Listed for rent$2,000

For Sale by Agent

AgentRyan T Carney
BrokerageeXp Realty

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