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90 Frank St, Hornell, NY, 14843

4beds
2baths
2,088sqft
$74,500
$36price/sqft
$908/moest. monthly cost
$36,320/yrincome needed

About This Home

Discover the potential of this 4-bed, 2-bath home! Features include a solid foundation, public water and sewer, and central gas heating. Equipped with a fridge, stove, dishwasher, and window cooling units. The basement is unfinished and needs work. The home needs a lot of TLC and cleaning. It is waiting for a fresh coat of paint and offers great potential for new siding. The roof and back door could use some attention.

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
54
BikeBikeable

Schools

4/10
5/10
--
North Hornell SchoolGrades PK-11.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1875

Materials

  • Foundation: Other,See Remarks
  • Roof: Other,See Remarks
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,See Remarks,Water Heater

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

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

Features

  • Other,See Remarks
  • Flooring: Carpet,Hardwood,Laminate,Varies

Heating & Cooling

  • Heating features: Gas,Other,See Remarks,Forced Air
  • Cooling features: Other,See Remarks,Window Unit(s)

Interior Area

  • Total structure area: 2,088
  • Total interior livable area: 2,088 sqft

Property

Details

  • Parcel number: 4606001510560002054000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: See Remarks

Lot

  • Lot size: 4,011 sqft
  • Features: Irregular Lot,Residential Lot
  • Lot size dimensions: 42 x 95

Parking

  • Total spaces: 1
  • Parking features: Detached,Garage
  • 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
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Lightning

FEMA Declared Disasters in Steuben County and New York

Flood
Hurricane
Severe Storm
Tropical Depression
Tropical 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 $376$4,512
Home Insurance *$56$672
Property Taxes $131$1,572
Electricity $345$4,140
Total$908$10,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,131/yr
40% on housing$27,240/yr
45% on housing$24,213/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$36This listing

vs Other Active Listings

Avg $/sqft

ZIP 14843$66
Steuben County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 14843$90
Steuben County$103

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

DateEventPrice
2026-05-06Listed for sale$74,500
2018-08-21Listing removed$49,900
2017-08-11Listed for sale$49,900
1999-09-07Sold$16,000

For Sale by Agent

AgentDerek Greene
BrokerageThe Greene Realty Group

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