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125 Ludington St, Buffalo, NY, 14206

4beds
1baths
1,056sqft
$139,000
$132price/sqft
$1,216/moest. monthly cost
$48,640/yrincome needed

About This Home

Welcome to 125 Ludington Street, located in the East Lovejoy neighborhood, also known as Iron Island. Offering 1,056 square feet of living space, this 4-bedroom, 1-bath home is full of potential and ready for its next owner to make it their own. The main level features a spacious living and dining room combination, a large eat-in kitchen, and ample living space for everyday comfort. Upstairs, you'll find a loft area, two additional bedrooms, and a bonus room that could serve as a home office, playroom, hobby space, or whatever suits your needs. A previous tenant began work toward creating a primary suite on the second floor, providing an opportunity for customization. There is also the potential to add a second bathroom upstairs. Outside, enjoy a fully fenced yard complete with a storage shed, offering space for pets, gardening, or outdoor entertaining. Major updates provide peace of mind, including: Roof (3 years old), Central air conditioning (2 years old), Furnace (1 year old), Hot water tank (1 year old) Conveniently located within walking distance of Hennepin Park, local convenience stores, and directly across the street from the Mead Library, this home offers easy access to neighborhood amenities. While some TLC is needed, this property presents an excellent opportunity for homeowners, investors, or anyone looking to add their personal touch. Come see the possibilities and imagine the potential that awaits at 125 Ludington Street! This property qualifies for home-buyer credit up to $5,000. Owner will listen to all offers.

Getting Around

63
WalkingSomewhat Walkable
35
TransitSome Transit
57
BikeBikeable

Schools

4/10
2/10
South Park High SchoolGrades 9-122.5 mi
6/10
Ps 69 Houghton AcademyGrades PK-81.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1910

Materials

  • Foundation: Stone
  • Roof: Asphalt
  • Construction materials: Vinyl Siding,Copper Plumbing

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater,Refrigerator,Washer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Partial

Bedroom1

  • Level: First
  • Dimensions: 10.00 x 10.00

Bedroom2

  • Level: First
  • Dimensions: 10.00 x 10.00

Bedroom3

  • Level: Second
  • Dimensions: 11.00 x 10.00

Bedroom4

  • Level: Second
  • Dimensions: 12.00 x 12.00

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Level: First
  • Dimensions: 15.00 x 11.00

Features

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

Heating & Cooling

  • Heating features: Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,056
  • Total interior livable area: 1,056 sqft

Kitchen

  • Level: First
  • Dimensions: 14.00 x 11.00

Living Room

  • Level: First
  • Dimensions: 15.00 x 11.00

Loft

  • Level: Second

Other

  • Level: Second
  • Dimensions: 11.00 x 10.00

Property

Details

  • Parcel number: 1402001125700002004000
  • Special condition: Standard

Features

  • Patio & porch: Open,Porch
  • Exterior features: Concrete Driveway,Fully Fenced
  • Fencing: Full

Lot

  • Lot size: 3,375 sqft
  • Features: Near Public Transit,Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 28 x 120

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

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Inland Flooding
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 $702$8,424
Home Insurance *$69$828
Property Taxes $199$2,388
Electricity $246$2,954
Total$1,216$14,592
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,691/yr
40% on housing$36,480/yr
45% on housing$32,426/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

$132This listing

vs Other Active Listings

Avg $/sqft

ZIP 14206$92
Erie County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 14206$136
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
2026-07-22Price change$139,000
2026-06-11Listed for sale$149,900
2018-10-05Sold$69,800
2018-08-06Pending sale$69,500
2018-07-17Listed for sale$69,500
2018-07-13Pending sale$69,500
2018-07-06Listed for sale$69,500
2018-05-22Pending sale$69,500
2018-05-11Listed for sale$69,500

For Sale by Agent

AgentThomas J Mazzone
BrokerageMLS Nation Realty LLC

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