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120 Shepard St, Buffalo, NY, 14212

5beds
1baths
1,312sqft
$119,000
$91price/sqft
$1,075/moest. monthly cost
$43,000/yrincome needed

About This Home

Welcome to 120 Shepard St — a charming and well-maintained home offering comfort, convenience, and great potential. This property features a spacious layout with [X bedrooms] and [X bathrooms], perfect for both owner-occupants and investors alike. Enjoy a bright and inviting living area, complemented by ample natural light and functional living space. The kitchen offers plenty of cabinet storage and flows nicely into the dining area, making it ideal for everyday living and entertaining. Additional highlights include [updated mechanicals / hardwood floors / large backyard / off-street parking — customize as needed]. The property sits on a generous lot with room to relax, garden, or expand. Conveniently located near local shops, schools, parks, and major roadways, this home offers easy access to everything you need while maintaining a quiet neighborhood feel. Don’t miss this opportunity to own a versatile property in a desirable location! THERE IS AN ADDITIONAL SIDE LOT, THAT LIST SEPARETLY CAN INCLUDE IN THIS SALE. PROPERTY'S CONDITION " AS IS"

Getting Around

44
WalkingCar-Dependent
42
TransitSome Transit
60
BikeBikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Brick,Frame,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: Partial

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen,Separate/Formal Living Room,Bedroom on Main Level
  • Flooring: Ceramic Tile,Hardwood,Laminate,Varies

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 1,312
  • Total interior livable area: 1,312 sqft

Property

Accessibility

  • Accessibility features: Accessible Bedroom

Details

  • Parcel number: 1402001018000004008000
  • Special condition: Standard

Features

  • Exterior features: Concrete Driveway
  • Waterfront features: Other,See Remarks

Lot

  • Lot size: 3,301 sqft
  • Features: Rectangular,Rectangular Lot
  • Lot size dimensions: 30 x 110

Parking

  • Total spaces: 1
  • Parking features: Detached,Garage
  • 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 WaveModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Winter Weather
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 $601$7,212
Home Insurance *$58$696
Property Taxes $170$2,040
Electricity $246$2,954
Total$1,075$12,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$36,857/yr
40% on housing$32,250/yr
45% on housing$28,666/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

$91This listing

vs Other Active Listings

Avg $/sqft

ZIP 14212$94
Erie County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 14212$148
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)

Price History

DateEventPrice
2026-04-30Price change$129,900
2026-04-16Listed for sale$149,000
2023-11-17Sold$60,000
2011-02-04Sold$2,500
2009-01-12Sold$6,000

For Sale by Agent

AgentRaju Ahmed
BrokerageTowne Housing Real Estate

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