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5217 Tonawanda Creek Rd, North Tonawanda, NY, 14120

4beds
5baths
3,900sqft
$760,000
$195price/sqft
$5,827/moest. monthly cost
$233,080/yrincome needed

About This Home

Welcome to 5217 Tonawanda Creek, a unique property in Pendleton Township and the highly regarded *Starpoint School District,* set behind a sweeping lawn, perennial gardens and a full-length covered front porch. *Park-like setting* Original structure dates to 1940, thoughtfully renovated in the 1980s to become a *bed and breakfast*. Current owner purchased the home in 2000 and has carefully maintained, updated, and enjoyed it as a *spacious single-family residence*. Its unique history is reflected throughout its generous proportions, flexible layout, abundant storage, and numerous gathering spaces. The impressive primary suite features hardwood floors, vaulted ceiling, sitting room, private bath, three closets, and a built-in cupboard. Three (3) other *en-suites* offer *remodeled* bathrooms with custom shower doors, creating comfort and privacy for family or guests. The *designer kitchen* and family room (2023) are made for everyday living and entertaining. Kitchen features center island, Sub Zero fridge, Wolf dual-fuel range, two Bosch dishwashers, two sinks, built-in pantry, china cabinets, abundant cabinetry, generous counter space, and access to rear deck. Adjoining family room boasts a new gas fireplace and built-in bookcase. Additional living areas include two stairways, gracious living room/dining room, office, and third-floor media room with handmade leaded-glass windows and separate HVAC system that could be a fifth bedroom. Outdoor living is also impressive. Enjoy warm-weather days from the covered front porch, rear deck, and private fenced *in-ground pool*. Take advantage of *riparian rights* and WNY waterways with a *personal dock* and kayak launch on the Erie Canal. Hundreds of thousands of dollars in improvements include high-efficiency furnace and AC with heat pump in 2024, *architectural-shingle roof in 2023*, driveway in 2023, backup whole-house *generator in 2022*, new pool pump in 2026, pool liner in 2022, remodeled bathrooms, new hot water tanks, new sump pump, new carpeting, and a beautifully finished laundry/mudroom with quartz countertop. Loaded with charm, character, storage, and thoughtful updates inside and out.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

--
Fricano Primary SchoolGrades K-24.7 mi
8/10
Starpoint Middle SchoolGrades 6-84.7 mi
8/10
Starpoint High SchoolGrades 9-124.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1980

Materials

  • Foundation: Block,Poured
  • Roof: Architectural,Shingle
  • Construction materials: Aluminum Siding,Brick,Vinyl Siding,Copper Plumbing,PEX Plumbing

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partial,Sump Pump

Bedroom1

  • Level: First
  • Dimensions: 15.00 x 14.00

Bedroom2

  • Level: Second
  • Dimensions: 14.00 x 14.00

Bedroom3

  • Level: Second
  • Dimensions: 17.00 x 16.00

Bedroom4

  • Level: Second
  • Dimensions: 21.00 x 13.00

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 5
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Den

  • Level: First
  • Dimensions: 14.00 x 10.00

Dining Room

  • Level: First
  • Dimensions: 16.00 x 7.00

Family Room

  • Level: First
  • Dimensions: 21.00 x 13.00

Features

  • Breakfast Bar,Den,Separate/Formal Dining Room,Eat-in Kitchen,Separate/Formal Living Room,Home Office,Kitchen Island,Kitchen/Family Room Combo,Living/Dining Room,Pantry,Solid Surface Counters,Window Treatments,Convertible Bedroom,Main Level Primary,Primary Suite
  • Window features: Drapes
  • Flooring: Carpet,Ceramic Tile,Hardwood,Luxury Vinyl,Varies
  • Number of fireplaces: 2
  • Fireplace: Yes

Foyer

  • Level: First
  • Dimensions: 6.00 x 6.00

Heating & Cooling

  • Heating features: Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,900
  • Total interior livable area: 3,900 sqft

Kitchen

  • Level: First
  • Dimensions: 17.00 x 15.00

Laundry

  • Level: Lower
  • Dimensions: 12.00 x 11.00

Living Room

  • Level: First
  • Dimensions: 16.00 x 12.00

Media Room

  • Level: Third
  • Dimensions: 29.00 x 13.00

Other

  • Level: Second
  • Dimensions: 15.00 x 13.00

Property

Details

  • Parcel number: 2932001780020002006000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: In Ground
  • Patio & porch: Covered,Porch
  • Exterior features: Blacktop Driveway,Fence,Pool
  • Fencing: Partial
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Dock Access,Other,River Access,See Remarks,Stream
  • Waterbody name: Tonawanda Creek
  • Frontage length: 156

Lot

  • Lot size: 1.30 Acres
  • Features: Irregular Lot,Residential Lot
  • Lot size dimensions: 156 x 544

Parking

  • Parking features: No Garage,Driveway

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 FloodingVery High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Ice Storm
Lightning
Strong Wind
Winter Weather
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 $3,842$46,104
Home Insurance *$246$2,952
Property Taxes $1,095$13,140
Electricity $644$7,734
Total$5,827$69,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$199,782/yr
40% on housing$174,810/yr
45% on housing$155,386/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

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 14120$164
Niagara County$123

vs Homes Sold Last Month

Median $/sqft

ZIP 14120$186
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
2026-08-03Price change$760,000
2026-07-13Price change$789,000
2026-06-15Listed for sale$799,000
2000-05-16Sold$239,000

For Sale by Agent

AgentMeghan Parsons
BrokerageWNY Metro Roberts Realty

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