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520 Main St, Youngstown, NY, 14174

5beds
3baths
4,962sqft
$797,777
$161price/sqft
$6,273/moest. monthly cost
$250,920/yrincome needed

About This Home

Step into the elegance of a bygone era with this spacious circa-1860 Victorian, ideally situated on more than an acre in the heart of the Village of Youngstown. This spectacular home offers beautiful water views and rare flexibility, as the expansive lot stretches from Main Street through to Second Street, creating endless possibilities for outdoor living, entertaining, or future additions such as a garage, pole barn, pool, or garden retreat. The stately main home features 5 bedrooms and 2.5 baths, showcasing stunning inlaid hardwood floors, generous living spaces, and classic architectural character throughout. Highlights include two staircases, first-floor laundry, updated kitchen and baths, custom replacement windows, and fireplaces in both the living room and kitchen. French doors, a bay window, large enclosed patio with removable walls, extra large patio on the rear of the home and multiple porches provide inviting spaces to relax, entertain, and enjoy sunsets. The thoughtfully designed layout includes a living room, formal dining room, family room, den, bonus room, eat-in kitchen, full basement with all updated mechanicals and a peaceful third-floor space perfect for unwinding while taking in beautiful river views. At the rear of the property, a separate one-bedroom one-bath apartment with its own private entrance, storage and utilities adds exceptional versatility. Ideal for guests, in-law accommodations, a studio, office or potential rental income, it complements the property while maintaining the feel of a grand single-family residence. A substantial barn offers abundant storage and flexible space for vehicle parking, RV, boat storage, equipment storage, hobbies, workshops, or additional creative use. This property is just steps from restaurants, parks, the waterfront, and public boat docks along the Niagara River. Outdoor enthusiasts will appreciate the proximity to nearby state parks offering hiking, swimming, camping, boating, fishing, sailing, and cross-country skiing. Whether you're seeking a distinctive primary residence, multi-generational living, or income potential, this exceptional property offers it all. Also listed as multi-unit B1667728.

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

--
Primary Education CenterGrades PK-22.4 mi
3/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1860

Materials

  • Foundation: Poured
  • Roof: Asphalt
  • Construction materials: Aluminum Siding,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic/Antique,Two Story,Victorian
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Gas Oven,Gas Range,Gas Water Heater,Microwave,Refrigerator,Tankless Water Heater,Washer
  • Laundry features: Main Level

Basement

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

Bedroom1

  • Level: Second
  • Dimensions: 14.00 x 12.00

Bedroom2

  • Level: Second
  • Dimensions: 15.00 x 12.00

Bedroom3

  • Level: Second
  • Dimensions: 19.00 x 13.00

Bedroom4

  • Level: Second
  • Dimensions: 17.00 x 12.00

Bedroom5

  • Level: Second
  • Dimensions: 19.00 x 14.00

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Den

  • Level: Second
  • Dimensions: 12.00 x 6.00

Dining Room

  • Level: First
  • Dimensions: 16.00 x 19.00

Family Room

  • Level: First
  • Dimensions: 29.00 x 15.00

Features

  • Den,Separate/Formal Dining Room,Eat-in Kitchen,Separate/Formal Living Room,Granite Counters,Home Office,Other,See Remarks,In-Law Floorplan,Bath in Primary Bedroom
  • Flooring: Carpet,Hardwood,Laminate,Varies
  • Number of fireplaces: 4
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Gas,Hot Water,Steam
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 4,962
  • Total interior livable area: 4,962 sqft

Kitchen

  • Level: First
  • Dimensions: 16.00 x 12.00

Laundry

  • Level: First
  • Dimensions: 10.00 x 7.00

Living Room

  • Level: First
  • Dimensions: 17.00 x 15.00

Other

  • Level: First
  • Dimensions: 17.00 x 15.00

Other

  • Level: Third
  • Dimensions: 11.00 x 9.00

Property

Details

  • Parcel number: 2934010590060001039000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Open,Patio,Porch
  • Exterior features: Blacktop Driveway,Enclosed Porch,Porch,Patio,See Remarks
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • Waterfront features: River Access,Stream
  • Waterbody name: Niagara River

Lot

  • Lot size: 1.50 Acres
  • Features: Other,Rectangular,Rectangular Lot,Residential Lot,See Remarks
  • Lot size dimensions: 172 x 408

Parking

  • Total spaces: 6
  • Parking features: Detached,Garage,Driveway,Other
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6

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 $4,033$48,396
Home Insurance *$270$3,240
Property Taxes $1,150$13,800
Electricity $820$9,840
Total$6,273$75,276
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$215,074/yr
40% on housing$188,190/yr
45% on housing$167,280/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

$161This listing

vs Other Active Listings

Avg $/sqft

ZIP 14174$272
Niagara County$123

vs Homes Sold Last Month

Median $/sqft

ZIP 14174$217
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
2026-06-05Listed for sale$797,777
2022-09-22Listing removed--
2022-08-31Listed for rent$1,100
2021-03-24Listing removed--
2020-03-31Listing removed$1,000
2020-01-25Listed for rent$1,000
2017-07-12Listing removed$499,000
2017-06-26Price change$499,000
2017-04-10Price change$524,900
2017-01-11Listed for sale$549,900
2004-07-22Sold$298,000
2001-08-20Sold$330,000

For Sale by Agent

AgentCheryl Deal
BrokerageDeal Realty, Inc.

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