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1817 Copperfield St, Utica, NY, 13501

4beds
2baths
1,753sqft
$239,000
$136price/sqft
$1,973/moest. monthly cost
$78,920/yrincome needed

About This Home

Excellent opportunity to own a well-maintained two-family property in one of Utica's most sought-after neighborhoods, conveniently located just off Culver Avenue and only minutes from beautiful Proctor Park. Whether you're looking to expand your investment portfolio or occupy one unit while generating rental income from the other, this property offers outstanding potential. Each apartment features 2 bedrooms, an updated kitchen, and an open-concept living and dining area that provides a comfortable, functional layout. Additional improvements include updated flooring and replacement windows throughout. Ample off-street parking offers added convenience for both owners and tenants. Situated in a highly desirable location with easy access to parks, shopping, restaurants, schools, and major roadways, this property presents an excellent opportunity for investors and owner-occupants alike.

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

5/10
Albany Elementary SchoolGrades K-60.3 mi
6/10
3/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1920

Materials

  • Construction materials: Aluminum Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s)
  • Flooring: Laminate,Varies,Vinyl

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 1,753
  • Total interior livable area: 1,753 sqft

Property

Details

  • Parcel number: 30160033103100010140000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 4,800 sqft
  • Features: Near Public Transit,Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 40 x 120

Parking

  • Parking features: Paved,Two or More Spaces

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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Lightning
Strong Wind

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 $1,208$14,496
Home Insurance *$132$1,584
Property Taxes $344$4,128
Electricity $289$3,476
Total$1,973$23,676
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,645/yr
40% on housing$59,190/yr
45% on housing$52,613/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

$136This listing

vs Other Active Listings

Avg $/sqft

ZIP 13501$104
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
2026-07-23Listed for sale$239,000
2021-12-22Sold$152,500
2021-09-17Pending sale$164,000
2021-09-03Contingent$164,000
2021-07-30Price change$164,000
2021-05-31Listed for sale$169,000
2019-11-26Sold$100,000
2019-08-29Pending sale$93,000
2019-08-21Listed for sale$93,000

For Sale by Agent

AgentCiro Raspante
BrokerageHunt Real Estate ERA

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