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176 Hobart St, Utica, NY, 13501

6beds
2baths
3,325sqft
$89,900
$27price/sqft
$1,181/moest. monthly cost
$47,240/yrincome needed

About This Home

Great investment opportunity for the right investor.... finish the work and make this property a cash cow!

Getting Around

70
WalkingVery Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Construction

Condition

  • Property condition: Resale
  • Year built: 1880

Materials

  • Foundation: Other,See Remarks
  • Construction materials: Other,See Remarks

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Features

  • Other,See Remarks
  • Flooring: Hardwood,Varies

Heating & Cooling

  • Heating features: Gas,Other,See Remarks
  • Cooling features: Other,See Remarks

Interior Area

  • Total structure area: 3,325
  • Total interior livable area: 3,325 sqft

Property

Details

  • Parcel number: 30160031807300030200000000
  • Special condition: Standard

Features

  • Exterior features: See Remarks

Lot

  • Lot size: 3,510 sqft
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 30 x 117

Parking

  • Parking features: No Garage

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

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Winter Weather
Ice Storm
Strong Wind
Tornado

FEMA Declared Disasters in Oneida 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 $454$5,448
Home Insurance *$49$588
Property Taxes $129$1,548
Electricity $549$6,593
Total$1,181$14,172
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,491/yr
40% on housing$35,430/yr
45% on housing$31,493/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: 3.9%
3.9%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$27This listing

vs Other Active Listings

Avg $/sqft

ZIP 13501$106
Oneida County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 13501$144
Oneida County$152

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
2026-06-03Listed for sale$89,900
2024-08-22Sold$42,000
2023-06-21Pending sale$64,000
2023-06-14Price change$64,000
2023-05-21Listed for sale$69,900
2022-09-30Listing removed--
2022-05-27Price change$79,999
2022-04-01Listed for sale$89,900
2010-06-24Sold$9,700
2008-07-28Sold$32,000
2006-04-27Sold$25,000

For Sale by Agent

AgentKristopher P. Joseph
BrokerageHunt Real Estate ERA

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