748 Jay St, Utica, NY, 13501
About This Home
This duplex features two 2-bedroom apartments on each floor with a laundry hook-ups available in the apartments. Separate utilities. Fantastic opportunity for investors or buyers looking to live in one unit and rent out the other. New basement windows installed in 2025. New roof- Summer 2025. Property is fully tenant occupied, please allow 24 hours to schedule showings.
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1900
Materials
- Construction materials: Vinyl Siding
Type & Style
- Home type: MultiFamily
- Architectural style: Duplex
- Property subType: Duplex,Multi Family
Interior
Appliances
- Appliances included: Electric Water Heater,Gas Water Heater
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Features
- Flooring: Laminate,Tile,Varies,Vinyl
Heating
- Heating features: Gas,Forced Air
Interior Area
- Total structure area: 1,656
- Total interior livable area: 1,656 sqft
Property
Details
- Parcel number: 30160031905300020160000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
Lot
- Lot size: 2,099 sqft
- Features: Rectangular,Rectangular Lot,Residential Lot
- Lot size dimensions: 35 x 60
Parking
- Parking features: One Space
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
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Oneida County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $859 | $10,308 |
| Home Insurance * | $93 | $1,116 |
| Property Taxes | $244 | $2,928 |
| Electricity | $273 | $3,284 |
| Total | $1,469 | $17,628 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-01-27 | Listed for sale | $169,900 |
| 2025-09-15 | Listing removed | $139,900 |
| 2025-06-10 | Pending sale | $139,900 |
| 2025-05-30 | Listed for sale | $139,900 |
| 2025-04-14 | Pending sale | $139,900 |
| 2025-01-07 | Listed for sale | $139,900 |
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