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636 E Monroe St, Little Falls, NY, 13365

3beds
2baths
1,396sqft
$122,900
$88price/sqft
$1,112/moest. monthly cost
$44,480/yrincome needed

About This Home

Welcome to 636 East Monroe Street in Little Falls—a strong opportunity packed with value, space, and upside. This 2-story home offers 3 bedrooms and 1,396 square feet of living space, delivering the kind of layout and potential that today’s buyers are chasing. Step inside and you’ll immediately appreciate the functional flow, with a spacious living area that transitions easily for everyday living or entertaining. The kitchen offers ample space and the opportunity to customize to your style. A major convenience on the first floor is the combined half bath and laundry area—adding practicality and efficiency to daily living. Upstairs, you’ll find three well-sized bedrooms along with a full bathroom, providing a comfortable and traditional layout. The full attic adds valuable storage space and offers potential for future expansion, giving buyers even more upside. Outside, the home continues to impress with a welcoming front porch—perfect for relaxing and adding that classic neighborhood charm. A one-stall garage provides additional storage and convenience. Located on East Monroe Street in Little Falls, this home is positioned just minutes from downtown amenities, local shops, restaurants, schools, and easy access to major routes—making commuting and everyday errands simple. Whether you’re a first-time buyer, investor, or someone looking to build equity, this property delivers real potential at an approachable price point.

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

5/10
Benton Hall AcademyGrades PK-50.4 mi
5/10
6/10
Little Falls High SchoolGrades 9-121.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1873

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Free-Standing Range,Oven,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Eat-in Kitchen,Separate/Formal Living Room
  • Window features: Storm Window(s),Thermal Windows,Wood Frames
  • Flooring: Carpet,Hardwood,Tile,Varies

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 1,396
  • Total interior livable area: 1,396 sqft

Property

Details

  • Parcel number: 21090011505300010160000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Open,Porch
  • Exterior features: Blacktop Driveway

Lot

  • Lot size: 8,498 sqft
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 50 x 170

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 $621$7,452
Home Insurance *$75$900
Property Taxes $170$2,040
Electricity $246$2,954
Total$1,112$13,344
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,125/yr
40% on housing$33,360/yr
45% on housing$29,653/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

$88This 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
2026-04-23Listed for sale$139,900
2018-09-17Sold$53,000
2018-08-07Pending sale$55,900
2018-06-10Price change$55,900
2018-04-19Listed for sale$59,900
2008-05-12Listing removed$459,000
2008-04-25Listed for sale$459,000

For Sale by Agent

AgentBrandon Mosher
BrokerageRiver Hills Properties LLC Lf

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