148 N Virginia St, Waterloo, NY, 13165
About This Home
148 North Virginia Street is a beautifully maintained 4 bed, 2 bath 1,756 square foot Cape Cod home in Waterloo, NY. Approaching the property, you are greeted by an expansive .39-acre lot featuring vibrant, meticulously cared-for landscaping, classic white siding, and crisp black shutters. The attached garage provides immediate everyday convenience as well as excellent supplementary storage space for your needs. Step through the front door into an inviting, sunlit living room highlighted by a large picture window, a ceiling fan, and gleaming hardwood floors that flow seamlessly through the main living areas. Moving forward, you will find a dedicated dining space perfectly positioned for both entertaining and everyday meals. Adjacent is the well-appointed kitchen, equipped with ample wooden cabinetry, plenty of counter space, and modern stainless steel appliances. Completing the interior's highly functional floor plan are four generously sized bedrooms and two full bathrooms, providing abundant living space for everyone. From the dining room, sliding glass doors guide you into a bright, airy sunroom that serves as a seamless transition to the outdoors. Step out from the sunroom onto the back patio perfect for summer relaxation and gatherings. The back patio is perfect for an outdoor seating area, with the included brand new hot tub only a few steps from the sliding glass door. This patio area overlooks an incredibly spacious, and exceptionally well-maintained and level backyard. Mature shade trees bordered by thoughtfully manicured landscaping beds dot the expansive lawn, offering a serene, park-like setting with plenty of room for outdoor activities. Towards the rear of the property, a large detached storage shed provides abundant room for lawn equipment and seasonal items, perfectly complementing the utility and storage already found in the attached garage. With its classic layout, plentiful outdoor space, and modern amenities, this property is ready to welcome you home.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1945
Materials
- Foundation: Block
- Roof: Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cape Cod
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Built-In Range,Built-In Oven,Convection Oven,Dryer,Dishwasher,Electric Cooktop,Disposal,Gas Water Heater,Microwave,Refrigerator,Washer
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 4
Features
- Ceiling Fan(s),Den,Separate/Formal Dining Room,Eat-in Kitchen,Separate/Formal Living Room,Hot Tub/Spa
- Flooring: Hardwood,Laminate,Varies
Heating & Cooling
- Heating features: Gas,Forced Air,Hot Water
- Cooling features: Central Air
Interior Area
- Total structure area: 1,756
- Total interior livable area: 1,756 sqft
Property
Accessibility
- Accessibility features: Accessible Doors
Details
- Parcel number: 45380100500000010380000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Patio
- Exterior features: Blacktop Driveway,Enclosed Porch,Porch,Patio
- Has spa: Yes
- Spa features: Hot Tub
Lot
- Lot size: 0.39 Acres
- Features: Rectangular,Rectangular Lot,Residential Lot
- Lot size dimensions: 85 x 198
Parking
- Total spaces: 1
- Parking features: Attached,Garage,Driveway
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Inland Flooding
- Ice Storm
- Lightning
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters in Seneca 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 | $1,259 | $15,108 |
| Home Insurance * | $109 | $1,308 |
| Property Taxes | $392 | $4,704 |
| Electricity | $290 | $3,482 |
| Total | $2,050 | $24,600 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-10 | Price change | $239,000 |
| 2026-07-17 | Listed for sale | $249,000 |
| 2005-09-06 | Sold | $86,500 |
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