129 E Main St, Waterloo, NY, 13165
About This Home
Welcome to this spacious and charming 1920 single-family home located in the heart of Waterloo, NY. Offering 2,247 square feet of living space, this well-maintained residence features four generously sized bedrooms and two full bathrooms, providing plenty of room for family, guests, or a home office setup. Step inside and appreciate the beautiful hardwood floors that flow throughout much of the home, showcasing its timeless character and craftsmanship. The main level features a convenient full bathroom, while all four bedrooms and a second full bathroom are located on the upper level for added privacy and functionality. Major updates provide peace of mind, including a new front roof installed in 2020, a new back roof completed in 2024, a hot water heater replaced in 2026, and a new main electrical breaker installed in 2026. The home is heated by a combination of baseboard heat and radiators, offering reliable comfort throughout the seasons. Additional features include a full attic providing excellent storage potential, a full basement with laundry area, and a shared driveway with multiple spots behind the home to park. Conveniently located near local amenities, schools, and parks, this classic Waterloo home combines historic charm with important modern updates. Don't miss the opportunity to make this spacious and character-filled property your next home. Schedule your private showing today!
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1920
Materials
- Foundation: Block
- Roof: Shingle
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Historic/Antique,Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Water Heater
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
Features
- Ceiling Fan(s),Separate/Formal Living Room,Sliding Glass Door(s),Solid Surface Counters
- Door features: Sliding Doors
- Flooring: Carpet,Hardwood,Laminate,Varies
- Number of fireplaces: 2
- Fireplace: Yes
Heating & Cooling
- Heating features: Electric,Baseboard,Radiator(s)
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 2,247
- Total interior livable area: 2,247 sqft
Property
Details
- Parcel number: 45380101000000030430000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck
- Exterior features: Deck,Gravel Driveway,Play Structure
Lot
- Lot size: 6,534 sqft
- Features: Rectangular,Rectangular Lot
- Lot size dimensions: 40 x 165
Parking
- Parking features: No Garage,Shared Driveway
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 | $707 | $8,484 |
| Home Insurance * | $61 | $732 |
| Property Taxes | $220 | $2,640 |
| Electricity | $371 | $4,456 |
| Total | $1,359 | $16,308 |
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 |
|---|---|---|
| 2026-08-03 | Price change | $139,900 |
| 2026-07-13 | Listed for sale | $149,900 |
| 2010-02-16 | Sold | $32,000 |
| 2009-11-25 | Listed for sale | $37,905 |
| 2009-05-16 | Listing removed | $56,768 |
| 2009-03-14 | Price change | $56,768 |
| 2008-12-06 | Listed for sale | $62,900 |
| 2008-11-25 | Sold | $64,167 |
| 2007-05-15 | Sold | $69,200 |
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