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419 Pennsylvania Ave, Waverly, NY, 14892

3beds
2baths
1,822sqft
$118,000
$65price/sqft
$1,160/moest. monthly cost
$46,400/yrincome needed

About This Home

This inviting three-bedroom, two-bath home offers a perfect blend of modern updates and classic charm. Featuring two brand-new bathrooms-one on each level along with fresh carpet on the stairs and hallway, this home is move-in-ready with minimal TLC needed. The spacious kitchen includes a convenient mudroom, and the first-floor bedroom provides flexibility for easy living. With a roof that's only five years old, you will have peace of mind for years to come. Conveniently located near all amenities, this home is a fantastic opportunity to make your own.

Getting Around

70
WalkingSomewhat Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

5/10
7/10
Waverly Middle SchoolGrades 5-80.9 mi
5/10
Waverly High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1867

Materials

  • Foundation: Stone
  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,822
  • Total interior livable area: 1,822 sqft

Property

Details

  • Parcel number: 49200116619320

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered

Lot

  • Lot size: 4,791 sqft
  • Features: In Town

Parking

  • Parking features: Carport
  • Carport: Yes

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
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Tioga 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 $596$7,152
Home Insurance *$61$732
Property Taxes $202$2,424
Electricity $301$3,613
Total$1,160$13,920
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$39,771/yr
40% on housing$34,800/yr
45% on housing$30,933/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: 2.6%
2.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -3.0%
-3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$65This listing

vs Other Active Listings

Avg $/sqft

ZIP 14892$80
Tioga County$107

vs Homes Sold Last Month

Median $/sqft

ZIP 14892$118
Tioga County$151

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
2026-03-28Listed for sale$118,000
2026-03-19Listing removed$118,000
2026-03-04Listing removed$1,500
2026-01-07Price change$118,000
2025-12-31Price change$99,900
2025-12-25Listed for rent$1,500
2025-12-25Listing removed$1,100
2025-11-03Listed for rent$1,100
2025-11-03Listing removed$1,500
2025-09-03Listed for rent$1,500
2025-03-17Listed for sale$129,900
2025-01-16Sold$61,000
2019-10-16Listing removed$59,900
2019-10-15Listed for sale$59,900
2019-10-07Sold$56,000
2019-08-18Pending sale$59,900
2019-07-24Listed for sale$59,900

For Sale by Agent

AgentKelly Sindoni
BrokerageWarren Real Estate - Sayre

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