231 E Main St, Waterloo, NY, 13165
About This Home
Welcome to 231 E. Main Street in Waterloo! This two-unit upstairs downstairs apartment building has started to take shape! Bring your vision for lots of potential for a fantastic investment property! Plumbing & electrical has been roughed in & the downstairs unit has been drywalled & ready for finishes. Inside each unit you'll find 2 bedrooms & 1 full bath with laundry hook ups & spacious closets. An open concept kitchen & living room has been designed with plumbing & electrical & areas for electric baseboard roughed in throughout! 3 new panel boxes in basement for separate utilities & an added panel for the basement! Bring your vision & don't miss out on a great opportunity!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1865
Materials
- Roof: Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: MultiFamily
- Property subType: Multi Family
Interior
Basement
- Has basement: Yes
- Basement: Dirt Floor,Full
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Features
- Flooring: Other,See Remarks
Heating & Cooling
- Heating features: Other,See Remarks
- Cooling features: Other,See Remarks
Interior Area
- Total structure area: 1,976
- Total interior livable area: 1,976 sqft
Property
Details
- Parcel number: 45380101100000020500000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Balcony,Deck
- Exterior features: Balcony,Deck
Lot
- Lot size: 6,098 sqft
- Features: Rectangular,Rectangular Lot
- Lot size dimensions: 36 x 165
Parking
- Parking features: On 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
- 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 | $328 | $3,936 |
| Home Insurance * | $28 | $336 |
| Property Taxes | $102 | $1,224 |
| Electricity | $326 | $3,918 |
| Total | $784 | $9,408 |
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 |
|---|---|---|
| 2026-04-09 | Listed for sale | $65,000 |
| 2026-02-10 | Pending sale | $65,000 |
| 2026-01-22 | Listed for sale | $65,000 |
| 2026-01-22 | Contingent | $65,000 |
| 2025-11-18 | Listed for sale | $65,000 |
| 2025-11-02 | Listing removed | $65,000 |
| 2025-08-25 | Price change | $65,000 |
| 2025-08-22 | Price change | $67,000 |
| 2025-07-14 | Listed for sale | $70,000 |
| 2025-06-01 | Pending sale | $70,000 |
| 2025-03-09 | Listed for sale | $70,000 |
| 2022-06-16 | Sold | $20,000 |
| 2022-04-01 | Pending sale | $35,000 |
| 2022-02-21 | Listed for sale | $35,000 |
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