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45 W Main St, Canisteo, NY, 14823

4beds
2baths
1,872sqft
$185,000
$99price/sqft
$1,690/moest. monthly cost
$67,600/yrincome needed

About This Home

This historic home is full of character and just waiting for your personal touch. Step onto the inviting front porch and enter into a welcoming foyer featuring beautiful original woodwork. From here, you’re led into the spacious front living room—perfect for entertaining guests. The foyer also flows seamlessly into the family room, highlighted by a large bay window that fills the space with natural light. From the family room, you’ll find easy access to the dining area and kitchen. The dining room continues the theme of stunning woodwork, adding warmth and charm throughout.The kitchen offers convenient access to the back deck—ideal for enjoying outdoor meals. There is a small island area, great for stools and extra counter space for prepping. (Dishwasher needs replacing/ Stove may need work or replaced) The main floor also includes a half bath and a laundry room for added convenience. Upstairs, you’ll find a full bathroom and four bedrooms, including a generously sized bedroom at the front of the home, another large bedroom along the side, and two smaller bedrooms located toward the back. Additional features include off-street parking accessible from Taylor Street and a small shed for extra storage.

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1854

Materials

  • Foundation: Stone
  • Roof: Asphalt,Shingle
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Free-Standing Range,Gas Cooktop,Gas Water Heater,Microwave,Oven,Refrigerator,Tankless Water Heater,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Dirt Floor,Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Separate/Formal Dining Room,Entrance Foyer,Separate/Formal Living Room,Pantry,Natural Woodwork
  • Window features: Leaded Glass
  • Flooring: Carpet,Hardwood,Laminate,Varies

Heating & Cooling

  • Heating features: Gas,Zoned,Baseboard,Hot Water
  • Cooling features: Zoned

Interior Area

  • Total structure area: 1,872
  • Total interior livable area: 1,872 sqft

Property

Details

  • Parcel number: 4632011970070001036000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Open,Porch
  • Exterior features: Deck,Gravel Driveway

Lot

  • Lot size: 8,712 sqft
  • Features: Corner Lot,Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 53 x 138

Parking

  • Parking features: No Garage,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
    Inland FloodingRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind

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 $935$11,220
Home Insurance *$120$1,440
Property Taxes $326$3,912
Electricity $309$3,712
Total$1,690$20,280
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,942/yr
40% on housing$50,700/yr
45% on housing$45,066/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

$99This listing

vs Other Active Listings

Avg $/sqft

ZIP 14823$85
Steuben County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 14823$78
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)

Price History

DateEventPrice
2026-04-01Listed for sale$193,000
2026-03-26Listing removed--
2026-03-08Listed for sale$174,900
2016-11-01Sold$139,000
2013-11-05Listing removed$179,500
2013-11-01Listed for sale$179,500
1995-09-26Sold$43,000

For Sale by Agent

AgentShaune Henry
BrokerageHunt Real Estate ERA

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