120 Providence St, Waverly, NY, 14892
About This Home
The auction for this Hubzu property ends 05-15-2026 at 01:00 PM ET. Why wait? Bid on this property now. Visit Hubzu to get started. CWCOT marketing description: Great Opportunity to own this single-family home oozing with potential. This home was built in 1890 and features 4 bedrooms and 2 bathrooms. ***SPECIAL NOTES: (1) This is a CASH ONLY transaction. (2) Seller to pay Taxes, HOA, and Municipal/Utility Liens. (3) Please read the Auction disclaimers carefully before placing a bid or submitting an offer. ***
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1890
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
Interior Area
- Total structure area: 1,600
- Total interior livable area: 1,600 sqft
Property
Details
- Parcel number: 49200116619465
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
- Lightning
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Tioga 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 | $302 | $3,624 |
| Home Insurance * | $31 | $372 |
| Property Taxes | $102 | $1,224 |
| Electricity | $264 | $3,172 |
| Total | $699 | $8,388 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-09 | Listed for sale | $59,800 |
| 2026-05-08 | Listing removed | $59,800 |
| 2026-05-02 | Listed for sale | $59,800 |
| 2026-05-01 | Listing removed | $59,800 |
| 2026-04-25 | Listed for sale | $59,800 |
| 2026-04-24 | Listing removed | $59,800 |
| 2026-04-18 | Listed for sale | $59,800 |
| 2026-04-17 | Listing removed | $59,800 |
| 2026-04-11 | Listed for sale | $59,800 |
| 2026-04-10 | Listing removed | $59,800 |
| 2026-04-04 | Listed for sale | $59,800 |
| 2026-04-03 | Listing removed | $59,800 |
| 2026-03-28 | Listed for sale | $59,800 |
| 2026-03-27 | Listing removed | $59,800 |
| 2026-03-21 | Listed for sale | $59,800 |
| 2026-03-20 | Listing removed | $59,800 |
| 2026-03-14 | Listed for sale | $59,800 |
| 2026-02-13 | Sold | $77,736 |
| 2026-01-31 | Listed for sale | $59,800 |
| 2026-01-31 | Listing removed | $59,800 |
| 2026-01-24 | Listed for sale | $59,800 |
| 2026-01-24 | Listing removed | $59,800 |
| 2026-01-17 | Listed for sale | $59,800 |
| 2026-01-17 | Listing removed | $59,800 |
| 2026-01-10 | Listed for sale | $59,800 |
| 2006-07-14 | Sold | $66,780 |
| 2000-08-03 | Sold | $45,900 |
| 1998-10-29 | Sold | $26,000 |
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