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635 74th St, Niagara Falls, NY, 14304

4beds
1baths
1,080sqft
$229,900
$213price/sqft
$1,854/moest. monthly cost
$74,160/yrincome needed

About This Home

Situated in a highly sought-after LaSalle neighborhood, this inviting Cape Cod-style home offers the perfect blend of updates, convenience, and usable space. Inside, you’ll find newer kitchen cabinets and countertops, an updated electrical panel, a full basement, new A/C unit, and a new hot water heater. A practical rear mudroom adds everyday functionality, while the spacious detached 1.5-car garage features updated electrical plus an attached bonus space—ideal for a workshop, hobby room, or flexible retreat. The roof is approximately 12 years old, and the city recently completed street-wide drainage improvements along with fresh paving. With dining, banking, and shopping all within walking distance, this home delivers comfort, convenience, and a location buyers will love.

Getting Around

73
WalkingVery Walkable
29
TransitSome Transit
51
BikeBikeable

Schools

3/10
4/10
3/10
Niagara Falls High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1950

Materials

  • Roof: Shake / Shingle
  • Construction materials: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Hardwood,Laminate,Linoleum / Vinyl

Heating & Cooling

  • Heating features: Forced air,Other,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,080 sqft

Property

Details

  • Parcel number: 29110016012260

Features

  • Exterior features: Vinyl

Lot

  • Lot size: 6,272 sqft

Parking

  • Parking features: Garage - Detached

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

  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Tsunami

FEMA Declared Disasters in Niagara County and New York

Flood
Severe Storm
Snowstorm
Winter 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 $1,162$13,944
Home Insurance *$115$1,380
Property Taxes $331$3,972
Electricity $246$2,954
Total$1,854$22,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,565/yr
40% on housing$55,620/yr
45% on housing$49,440/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: 1.6%
1.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$213This listing

vs Other Active Listings

Avg $/sqft

ZIP 14304$114
Niagara County$123

vs Homes Sold Last Month

Median $/sqft

ZIP 14304$164
Niagara County$162

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
2026-08-01Listed for sale$229,900
2017-04-28Sold$87,000
2016-11-16Price change$89,900
2016-09-18Listed for sale$92,900
2011-06-07Sold$77,000

For Sale by Owner

AgentProperty Owner

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