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177 Central Ave, Ilion, NY, 13357

3beds
2baths
1,120sqft
$96,000
$86price/sqft
$913/moest. monthly cost
$36,520/yrincome needed

About This Home

PRICE DROP!! Welcome to 177 Central Ave in the village of Ilion! This cozy home encompasses 3 nice sized bedrooms, a half bath and laundry room on the first floor and full bath on the second floor where all bedrooms are located. The attic and basement provide plenty of extra storage space, while the partially fenced in yard offers room to enjoy the outdoors. A detached one car garage completes this charming property, giving you both convenience and character in a great village location- only steps away from walking/biking trails, the marina, shopping, and restaurants. Priced to put your own personal touches on this home! Cash or conventional offers only.

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
57
BikeBikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1904

Materials

  • Foundation: Block,Stone
  • Construction materials: Blown-In Insulation,Vinyl Siding,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Oven,Gas Range,Gas Water Heater,Oil Water Heater,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Separate/Formal Living Room,Galley Kitchen,Pantry
  • Flooring: Hardwood,Varies,Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Gas,Oil,Electric,Forced Air,Stove

Interior Area

  • Total structure area: 1,120
  • Total interior livable area: 1,120 sqft

Property

Details

  • Parcel number: 21280112002900010440000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Blacktop Driveway,See Remarks

Lot

  • Lot size: 3,781 sqft
  • Features: Flood Zone,Rectangular,Rectangular Lot
  • Lot size dimensions: 36 x 105

Parking

  • Total spaces: 1
  • Parking features: Detached,Garage,Shared Driveway
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Ice Storm
Lightning

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 $485$5,820
Home Insurance *$50$600
Property Taxes $132$1,584
Electricity $246$2,954
Total$913$10,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,302/yr
40% on housing$27,390/yr
45% on housing$24,346/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: 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

$86This listing

vs Other Active Listings

Avg $/sqft

ZIP 13357$74
Herkimer County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 13357$103
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)

No zestimate history available

Price History

DateEventPrice
2026-03-14Price change$115,000
2026-01-30Listed for sale$125,000
2021-08-09Sold$85,000
2021-04-28Listing removed--
2021-03-31Listed for sale$54,900
2021-02-27Pending sale$54,900
2021-01-26Listed for sale$54,900
1992-11-24Sold$39,000
1990-09-07Sold$80,000

For Sale by Agent

AgentJessica Hartman
BrokerageAccent Brokerage, Inc.

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