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227 Church St, Little Falls, NY, 13365

2beds
1baths
920sqft
$144,000
$157price/sqft
$1,260/moest. monthly cost
$50,400/yrincome needed

About This Home

Welcome to 227 Church Street in Little Falls, a well-kept and inviting home set on a desirable corner lot that offers charm, flexibility, and excellent potential for future growth. Currently featuring 2 bedrooms and 1 full bathroom, this home also includes a finished upstairs area that presents a fantastic opportunity for additional bedrooms, office space, or a bonus living area, allowing the next owner to truly maximize the home’s footprint. Inside, you’ll find bright and welcoming living spaces highlighted by original trim, hardwood flooring, and abundant natural light. The main level flows comfortably from the living room into the kitchen, which offers ample cabinet space and functionality for everyday living. The two first-floor bedrooms are nicely sized and conveniently located near the full bathroom, which has been tastefully updated. The finished upper level adds valuable versatility—perfect for creating extra bedrooms, a home office, hobby space, or guest accommodations. Whether you need room to grow or want flexible space to suit your lifestyle, this area significantly enhances the home’s appeal. Another standout feature is the one-stall attached garage, connected by an enclosed breezeway that works perfectly as a mudroom or additional storage while keeping you protected from the elements. The full basement offers excellent storage, includes laundry, and provides space for a workshop or future finishing. Situated close to local shops, schools, and amenities, this corner-lot property delivers both convenience and potential. 227 Church Street is a solid, move-in-ready home with flexible living space, strong value, and room to grow—an opportunity you won’t want to miss.

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

5/10
Benton Hall AcademyGrades PK-51.0 mi
5/10
6/10
Little Falls High SchoolGrades 9-120.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1965

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Free-Standing Range,Microwave,Oven,Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Attic,Eat-in Kitchen,Separate/Formal Living Room,Bedroom on Main Level,Convertible Bedroom
  • Flooring: Hardwood,Varies

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 920
  • Total interior livable area: 920 sqft

Property

Details

  • Parcel number: 21090011405900040450000000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Blacktop Driveway

Lot

  • Lot size: 2,822 sqft
  • Features: Corner Lot,Rectangular,Rectangular Lot
  • Lot size dimensions: 33 x 84

Parking

  • Total spaces: 1
  • Parking features: Attached,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

  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Winter Weather

FEMA Declared Disasters in Herkimer County and New York

Flood
Severe 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 $728$8,736
Home Insurance *$87$1,044
Property Taxes $199$2,388
Electricity $246$2,954
Total$1,260$15,120
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$43,200/yr
40% on housing$37,800/yr
45% on housing$33,600/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: 5.2%
5.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$157This listing

vs Other Active Listings

Avg $/sqft

ZIP 13365$103
Herkimer County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 13365$104
Herkimer County$130

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
2026-05-07Listed for sale$148,000
2026-05-04Pending sale$148,000
2026-03-12Price change$148,000
2025-12-14Listed for sale$157,000
2023-11-30Sold$55,000
1996-12-17Sold$35,000

For Sale by Agent

AgentBrandon Mosher
BrokerageRiver Hills Properties LLC Lf

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