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43 Chapel St, Mount Morris, NY, 14510

11beds
3baths
3,408sqft
$375,000
$110price/sqft
$3,280/moest. monthly cost
$131,200/yrincome needed

About This Home

Well Maintained Village Investment Property! ~ Solid Investment Opportunity ~ Great Return On Investment ~ Zoned For Lodging Which Creates Endless Possibilities ~ Well Maintained With Solid Mechanics!~ Showings BY APPOINTMENT ONLY ~ Property will require cash or commercial financing. Please Do NOT Stop at Property or Approach Tenants Without Approved Appointment.

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
54
BikeBikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Foundation: Block,Other,See Remarks
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Architectural style: Other,See Remarks
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

  • Bedrooms: 11
  • Bathrooms: 3
  • Full bathrooms: 3

Features

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

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 3,408
  • Total interior livable area: 3,408 sqft

Property

Details

  • Parcel number: 24360110601900020020000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 9,787 sqft
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 55 x 178

Parking

  • Parking features: Paved,Two or More Spaces

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
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind

FEMA Declared Disasters in Livingston 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 $1,896$22,752
Home Insurance *$215$2,580
Property Taxes $606$7,272
Electricity $563$6,758
Total$3,280$39,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,457/yr
40% on housing$98,400/yr
45% on housing$87,466/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: 3.3%
3.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$110This listing

vs Other Active Listings

Avg $/sqft

ZIP 14510$79
Livingston County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 14510$111
Livingston County$144

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
2026-02-26Listed for sale$399,000
2025-11-01Listing removed$439,900
2025-05-30Price change$439,900
2025-04-13Listed for sale$459,900

For Sale by Agent

AgentAnthony I. Scorsone
BrokerageRE/MAX Plus

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