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411 W South St, Montour Falls, NY, 14865

5beds
4baths
2,984sqft
$468,000
$157price/sqft
$3,747/moest. monthly cost
$149,880/yrincome needed

About This Home

Experience the magical sounds of the Montour waterfall outside your door. This historic, centrally-located home within steps of the majestic Shequaga Park Waterfall and nestled in the heart of the Glorious “T” Historic District, come experience a comfortable and timeless stay in the Finger Lakes. It is steps from the water fall and minutes from the wine trail, state park, race track, and Seneca lake. There’s a large porch for eating, reading, or enjoying a glass of wine at the end of your day the Finger Lakes. This home is perfect for tourists looking for a weekend away, a month long retreat, a base for your outdoor adventure, or the cozy place to stay-in and make new memories owner occupied. This is a chance to own a great home in town that is set up as a full time Air BNB in a Historic and updated Victorian home originally built in the 1860s. This home offers 3 different living spaces bringing in generous income with many great reviews and is a client favorite for return visits. 1st floor offers a entry foyer leading to first & second floor, laundry space, 2 bedrooms with their own on-suite full baths nicely updated, a spacious kitchen with gas cooking, full fridge, dishwasher 7 lots of cabinets. There is also a good size living room with eating space. A side porch accessible to first floor renters. 2nd floor has a lovely living room with many windows including original stain glass beauties, a large dining room that leads to a full kitchen with gas cooking, fridge, dishwasher & microwave. 1 good size full bath with laundry & tub/shower, 2 generous bedrooms, 1 with wood panel vaulted ceiling. A few rooms have additional sleeping areas in pull out seating. The 3rd level offers 1 bedroom, a full bath with walk in shower, living room with additional sleeping accommodations and a kitchenette. The yard has space for a fire pit and room to enjoy. So much potential for income! All furniture is included in sale too! The home is well booked for the summer already so showings will need advanced notice and flexibility.

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1880

Materials

  • Foundation: Stone
  • Roof: Architectural,Metal,Shingle
  • Construction materials: Composite Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Oven,Gas Range,Gas Water Heater
  • Laundry features: Main Level,Upper Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Attic,Ceiling Fan(s),Separate/Formal Dining Room,Entrance Foyer,Furnished,Separate/Formal Living Room,Guest Accommodations,Living/Dining Room,Other,See Remarks,Second Kitchen,Natural Woodwork,Window Treatments,Main Level Primary
  • Window features: Drapes,Leaded Glass
  • Flooring: Luxury Vinyl,Tile,Varies

Heating & Cooling

  • Heating features: Ductless,Gas,Zoned,Forced Air,Hot Water
  • Cooling features: Ductless,Zoned,Central Air,Window Unit(s)

Interior Area

  • Total structure area: 2,984
  • Total interior livable area: 2,984 sqft

Property

Details

  • Parcel number: 44280108600700070020000000
  • Special condition: Standard

Features

  • Stories: 3
  • Patio & porch: Covered,Porch
  • Exterior features: Gravel Driveway

Lot

  • Lot size: 9,147 sqft
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 66 x 135

Parking

  • Parking features: No Garage

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
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Drought
Hail
Ice Storm
Lightning
Strong Wind

FEMA Declared Disasters in Schuyler County and New York

Flood
Severe 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 $2,366$28,392
Home Insurance *$233$2,796
Property Taxes $655$7,860
Electricity $493$5,917
Total$3,747$44,964
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,468/yr
40% on housing$112,410/yr
45% on housing$99,920/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.9%
3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$157This listing

vs Other Active Listings

Avg $/sqft

ZIP 14865$72
Schuyler County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 14865—
Schuyler County$174

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
2026-05-07Listed for sale$468,000
2026-05-06Listing removed$468,000
2026-04-15Listed for sale$468,000
2020-12-14Sold$93,730
2020-09-11Pending sale$99,000
2020-07-22Price change$99,000
2020-05-23Listed for sale$105,000
2020-04-15Pending sale$105,000
2020-03-03Price change$105,000
2020-01-20Listed for sale$109,900
2019-11-25Pending sale$109,900
2019-09-21Listed for sale$109,900
2019-07-26Pending sale$109,900
2019-07-15Listed for sale$109,900

For Sale by Agent

AgentJulie M. (Jules) Costello
BrokerageSignature Properties

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