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109 Victory Ave, Lackawanna, NY, 14218

5beds
1baths
1,602sqft
$199,000
$124price/sqft
$1,663/moest. monthly cost
$66,520/yrincome needed

About This Home

Completely transformed and move-in ready, this stunning home has been renovated from the studs out with quality updates throughout. Step inside to find beautiful luxury vinyl plank flooring, a fully remodeled kitchen and bathroom designed for modern living, and an open floor plan provides tons of natural light. Formal dining off the kitchen is perfect for entertaining, and all the original doors and fixtures were refinished and brought back to life. The second floor bedrooms boast huge closets and beautifully refinished hardwood floors. The major improvements are already done, including a 2-year-old roof, windows, and fresh exterior paint, along with updated electric and a 5-year-old forced-air furnace. The basement is clean, dry, freshly painted, and protected with Drylok for added peace of mind. Ideally situated near the Buffalo and Erie County Botanical Gardens, Our Lady of Victory Basilica, McKinley Mall, and the Buffalo Outer Harbor, this location also offers easy access to Downtown Buffalo, shopping, restaurants, parks, and major routes. A home where the charm has been preserved, all of the updates have been completed, and all that’s left to do is move in!

Getting Around

70
WalkingVery Walkable
30
TransitSome Transit
57
BikeBikeable

Schools

3/10
2/10
Lackawanna Middle SchoolGrades 6-81.3 mi
2/10
Lackawanna High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1926

Materials

  • Foundation: Block,Poured
  • Construction materials: Composite Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic/Antique,Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Gas Oven,Gas Range,Gas Water Heater,Microwave,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Separate/Formal Dining Room,Bedroom on Main Level
  • Flooring: Hardwood,Luxury Vinyl,Varies

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 1,602
  • Total interior livable area: 1,602 sqft

Property

Details

  • Parcel number: 1409001424600006009000
  • Special condition: Standard

Features

  • Exterior features: Concrete Driveway

Lot

  • Lot size: 4,077 sqft
  • Features: Rectangular,Rectangular Lot
  • Lot size dimensions: 40 x 100

Parking

  • Total spaces: 2
  • Parking features: Detached,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

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

How This Home’s Risks Compare

Cold Wave
Winter Weather
Inland Flooding
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 $1,006$12,072
Home Insurance *$108$1,296
Property Taxes $285$3,420
Electricity $264$3,176
Total$1,663$19,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,017/yr
40% on housing$49,890/yr
45% on housing$44,346/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

$124This listing

vs Other Active Listings

Avg $/sqft

ZIP 14218$108
Erie County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 14218$133
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
2026-08-17Pending sale$199,000
2026-07-27Listed for sale$199,000
2026-01-05Sold$111,500
2025-10-02Pending sale$90,000
2025-09-23Listed for sale$90,000

For Sale by Agent

AgentLisa M Serio
BrokerageHUNT Real Estate ERA

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