25 Cotton St, Lancaster, NY, 14086
About This Home
Welcome to 25 Cotton Street! This beautifully maintained 2-family home offers two 2-bedroom, 1-bath units and is in pristine condition, making it an excellent opportunity for both owner-occupants and investors. A spacious front patio and breezeway provide a warm welcome to this charming property. Inside, you'll find numerous updates, including newer flooring, countertops, and more. The first-floor unit features an inviting eat-in kitchen with a center island, a formal dining room, an oversized living room, and sliding glass doors leading to a private back deck—perfect for relaxing or entertaining. The second-floor unit offers an extra-large kitchen with a dining area, a spacious living room with beautiful hardwood floors, and an additional storage closet. The partially finished basement provides flexible bonus space and includes an additional full bathroom, offering endless possibilities for recreation, storage, or a home office. Additional highlights include an oversized two-car garage with walk-up overhead attic storage, ample off-street parking, and abundant storage throughout the property.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1960
Materials
- Foundation: Poured
- Roof: Asphalt
- Construction materials: Brick,Vinyl Siding,Copper Plumbing
Type & Style
- Home type: MultiFamily
- Architectural style: Duplex
- Property subType: Duplex,Multi Family
Interior
Appliances
- Appliances included: Gas Water Heater
Basement
- Has basement: Yes
- Basement: Full,Partially Finished
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Features
- Natural Woodwork
- Flooring: Hardwood,Laminate,Tile,Varies,Vinyl
Heating
- Heating features: Gas,Baseboard
Interior Area
- Total structure area: 2,150
- Total interior livable area: 2,150 sqft
Property
Details
- Parcel number: 1452031041500004008000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck,Patio
- Exterior features: Deck,Patio
Lot
- Lot size: 0.30 Acres
- Features: Rectangular,Rectangular Lot,Residential Lot
- Lot size dimensions: 110 x 117
Parking
- Total spaces: 2
- Parking features: Concrete,Garage,Two or More Spaces,Garage Door Opener
- 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
- Winter Weather
- Inland Flooding
- 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 | $1,769 | $21,228 |
| Home Insurance * | $99 | $1,188 |
| Property Taxes | $501 | $6,012 |
| Electricity | $355 | $4,263 |
| Total | $2,724 | $32,688 |
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 |
|---|---|---|
| 2026-08-16 | Price change | $335,000 |
| 2026-06-29 | Listed for sale | $349,900 |
| 2023-06-14 | Sold | $315,000 |
| 2023-04-07 | Pending sale | $274,900 |
| 2023-03-29 | Listed for sale | $274,900 |
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