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733 Mary St, Utica, NY, 13501

4beds
2baths
1,592sqft
$225,000
$141price/sqft
$1,848/moest. monthly cost
$73,920/yrincome needed

About This Home

This well-maintained 4-bedroom, 2-bath home offers plenty of space both inside and out. The spacious 11' x 15' primary bedroom features its own private bath and a large walk-in closet, creating a comfortable place to unwind. The first floor includes a living room, formal dining room, eat-in kitchen, and the convenience of a first-floor laundry room. Enjoy relaxing on the front porch or spending time on the back 9 X 10 deck overlooking the private backyard. Additional features include a full basement, a new storage shed built in 2021, and a driveway with room for up to three vehicles, plus additional street parking. An additional lot is included with the sale, offering extra outdoor space for gardening, recreation, or simply enjoying a little more room to spread out. Conveniently located close to shopping, parks, and public transportation, this home offers a great combination of space, comfort, and everyday convenience.

Getting Around

83
WalkingVery Walkable
0
TransitVery Limited Transit
62
BikeBikeable

Schools

5/10
Albany Elementary SchoolGrades K-60.8 mi
6/10
3/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1920

Materials

  • Foundation: Block
  • Construction materials: Vinyl Siding,Copper Plumbing

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic/Antique
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom1

  • Level: First
  • Dimensions: 15.00 x 11.00

Bedroom2

  • Level: First
  • Dimensions: 10.00 x 9.00

Bedroom3

  • Level: Second
  • Dimensions: 10.00 x 10.00

Bedroom4

  • Level: Second
  • Dimensions: 13.00 x 12.00

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Dining Room

  • Level: First
  • Dimensions: 13.00 x 11.00

Features

  • Ceiling Fan(s),Separate/Formal Dining Room,Eat-in Kitchen,Separate/Formal Living Room,Home Office,Solid Surface Counters,Convertible Bedroom,Main Level Primary,Primary Suite
  • Flooring: Ceramic Tile,Hardwood,Laminate,Varies,Vinyl

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 1,592
  • Total interior livable area: 1,592 sqft

Kitchen

  • Level: First
  • Dimensions: 14.00 x 12.00

Living Room

  • Level: First
  • Dimensions: 12.00 x 11.00

Other

  • Level: First
  • Dimensions: 8.00 x 6.00

Storage Room

  • Level: Second
  • Dimensions: 7.00 x 6.00

Property

Details

  • Parcel number: 30160031905300040220000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Exterior features: Blacktop Driveway,Deck

Lot

  • Lot size: 3,645 sqft
  • Features: Near Public Transit,Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 38 x 96

Parking

  • Total spaces: 3
  • Parking features: No Garage
  • Attached garage spaces: 3
  • Covered spaces: 3

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 WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather

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 $1,137$13,644
Home Insurance *$124$1,488
Property Taxes $324$3,888
Electricity $263$3,157
Total$1,848$22,176
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,360/yr
40% on housing$55,440/yr
45% on housing$49,280/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: 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

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 13501$103
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
2026-07-09Listed for sale$225,000
2008-06-03Sold$1,000
2007-10-22Sold$837
1996-03-07Sold$1,000

For Sale by Agent

AgentMichele Martinez
BrokerageColdwell Banker Prime Properties

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