431 Shirley Ave, Buffalo, NY, 14215
About This Home
This newly constructed home features 3 bedrooms, 1.5 baths, and brand-new appliances—perfect for first-time buyers or those continuing their homeownership journey. Thoughtfully designed for modern living, the home offers comfort, efficiency, and a functional two-story layout. Located on a neighborhood street with convenient access to public transportation, this property provides both accessibility and a strong sense of community. PLEASE READ CAREFULLY: This is an income-restricted, owner-occupied opportunity. Buyers must meet program eligibility requirements. For application details, contact Belmont Housing Resources for WNY. Taxes are estimated based on a $205,000 sale price and 2027 City of Buffalo and Erie County tax rates. Applications open April 27, 2026 at 9AM and close May 27, 2026 at 11:59PM. A lottery will be conducted by June 4, 2026 to select a buyer for each property. Delayed Showings until 5/2/2026 @11am. Building Buffalo Roots is
Getting Around
Very Walkable
Some Transit
BikeableSchools
Construction
Condition
- Property condition: New Construction
- New construction: Yes
- Year built: 2025
Materials
- Foundation: Poured
- Construction materials: Frame,Other,Vinyl Siding,Copper Plumbing
Type & Style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Electric Oven,Electric Range,Electric Water Heater,Microwave,Refrigerator,Washer
- Laundry features: Upper Level
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- Living/Dining Room,Pull Down Attic Stairs
- Flooring: Carpet,Laminate,Varies
- Attic: Pull Down Stairs
Heating & Cooling
- Heating features: Ductless,Electric
- Cooling features: Ductless
Interior Area
- Total structure area: 1,365
- Total interior livable area: 1,365 sqft
Property
Details
- Parcel number: 1402000798200001004000
- Special condition: HUD Owned
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered,Porch
Lot
- Lot size: 3,454 sqft
- Features: Irregular Lot,Near Public Transit,Residential Lot
- Lot size dimensions: 32 x 108
Parking
- Parking features: No Garage,No 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
- Cold Wave
- Winter Weather
- Heat Wave
- Inland Flooding
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Erie County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,036 | $12,432 |
| Home Insurance * | $134 | $1,608 |
| Property Taxes | $424 | $5,088 |
| Electricity | $246 | $2,954 |
| Total | $1,840 | $22,080 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-27 | Listed for sale | $205,000 |
| 2009-08-27 | Sold | $33,000 |
| 2007-11-14 | Sold | $45,900 |
| 2005-04-26 | Sold | $12,000 |
| 2004-08-18 | Sold | $20,925 |
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