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2130 W Seneca St, Ovid, NY, 14521

5beds
2baths
2,674sqft
$200,000
$75price/sqft
$1,825/moest. monthly cost
$73,000/yrincome needed

About This Home

5 Bedroom / 1 half bathroom. 1 Laundry Room Has x2 Coal stoves and a furnace for heating options. New metal roof within last 10 years. New electric water heater Summer of 2025. Did a bit of cosmetic updating inside (painting and light fixtures/ceiling fans. Selling as is. Make me an offer and we can negotiate.

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

6/10
8/10
South Seneca High SchoolGrades 6-120.3 mi

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Metal
  • Construction materials: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dryer,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Flooring: Tile,Other,Carpet,Hardwood

Heating & Cooling

  • Heating features: Other,Stove,Coal,Oil
  • Cooling features: None

Interior Area

  • Total interior livable area: 2,674 sqft

Property

Details

  • Parcel number: 45260103126

Features

  • Exterior features: Other,Metal

Lot

  • Lot size: 9,583 sqft

Parking

  • Parking features: Garage - Detached,Off-street

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

  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Drought
Hail
Inland Flooding
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Seneca County and New York

Flood
Severe 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 $1,011$12,132
Home Insurance *$58$696
Property Taxes $315$3,780
Electricity $441$5,302
Total$1,825$21,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,571/yr
40% on housing$54,750/yr
45% on housing$48,666/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: 2.2%
2.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$75This listing

vs Other Active Listings

Avg $/sqft

ZIP 14521$131
Seneca County$178

vs Homes Sold Last Month

Median $/sqft

ZIP 14521$203
Seneca County$154

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
2026-07-15Listed for sale$200,000
2024-08-21Sold$216,000
2017-09-27Sold$90,000
2015-12-01Listing removed$54,900
2015-05-16Listed for sale$54,900

For Sale by Owner

AgentProperty Owner

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