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82 W Monroe St, Little Falls, NY, 13365

3beds
2baths
1,526sqft
$119,900
$79price/sqft
$1,096/moest. monthly cost
$43,840/yrincome needed

About This Home

Welcome to 82 West Monroe Street in Little Falls — a standout two-unit property packed with character, flexibility, and income potential. Whether you’re an investor searching for a strong addition to your portfolio or a buyer looking to live in one unit while the other helps pay the mortgage, this property offers a smart opportunity in a prime city location. Inside, both units feature bright, airy interiors with generous room sizes and classic hardwood flooring that showcases the home’s timeless charm. Sunlight pours through large windows, creating warm and welcoming living spaces that feel open and comfortable. Each apartment offers its own kitchen, functional layout, and private living areas, making it ideal for tenants or extended family living. The thoughtful separation of spaces provides privacy while maintaining the charm of a classic Little Falls home. Outside, the covered front porch adds curb appeal and a welcoming first impression — the perfect spot to relax and enjoy the neighborhood atmosphere. A full basement offers excellent storage and utility space, while the manageable lot keeps maintenance simple and efficient. The property’s location places you just minutes from downtown shops, restaurants, schools, and major routes, making it highly attractive for both owners and renters. Whether your goal is steady rental income, owner-occupied investment, or long-term appreciation, 82 West Monroe Street delivers value, versatility, and classic appeal in one complete package. Multi-family opportunities like this in Little Falls don’t last — schedule your showing and see the potential for yourself.

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

5/10
Benton Hall AcademyGrades PK-50.7 mi
5/10
6/10
Little Falls High SchoolGrades 9-120.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1889

Materials

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

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Window features: Thermal Windows
  • Flooring: Hardwood,Varies,Vinyl

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 1,526
  • Total interior livable area: 1,526 sqft

Property

Details

  • Parcel number: 21090011406000040170000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Porch

Lot

  • Lot size: 4,360 sqft
  • Features: Irregular Lot,Residential Lot
  • Lot size dimensions: 40 x 109

Parking

  • Parking features: Common,On Street

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 $606$7,272
Home Insurance *$73$876
Property Taxes $165$1,980
Electricity $252$3,026
Total$1,096$13,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,577/yr
40% on housing$32,880/yr
45% on housing$29,226/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

$79This listing

vs Other Active Listings

Avg $/sqft

ZIP 13365$104
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
2026-05-05Price change$124,900
2026-04-01Price change$129,900
2026-02-03Listed for sale$139,900
2016-10-07Sold$48,000

For Sale by Agent

AgentBrandon Mosher
BrokerageRiver Hills Properties LLC Lf

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