6474 Hamilton Dr, Derby, NY, 14047
About This Home
Opportunity knocks in Derby! This 3-bed, 2-bath, 2-story home sits on a 0.13-acre lot in a popular Charming 2-story home in Lake Erie cliffside community offering stunning waterfront views. Features a large deck overlooking the lake, a carpeted 2nd-story patio with outdoor furniture, brand-new A/C system, and central air. With solid bones and 0.13 acres, the property has strong upside potential — room to add a 2nd-story master suite and the ability to convert a downstairs room into a garage. Ideally located near beaches, parks, and local amenities in one of Erie County's lakeside neighborhoods.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1930
Materials
- Foundation: Other,See Remarks,Slab
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Water Heater,Gas Cooktop,Refrigerator
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Separate/Formal Living Room,Living/Dining Room
- Flooring: Other,See Remarks
Heating
- Heating features: Gas,Forced Air
Interior Area
- Total structure area: 1,292
- Total interior livable area: 1,292 sqft
Property
Details
- Parcel number: 192.16124
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Exterior features: Blacktop Driveway
- On waterfront: Yes
- Waterfront features: Lake
- Waterbody name: Lake Erie
- Frontage length: 0
Lot
- Lot size: 5,662 sqft
- Features: Other,Rectangular,Rectangular Lot,See Remarks
- Lot size dimensions: 5720 x 0
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
- Cold Wave
- Inland Flooding
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Erie 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 | $1,718 | $20,616 |
| Home Insurance * | $151 | $1,812 |
| Property Taxes | $487 | $5,844 |
| Electricity | $246 | $2,954 |
| Total | $2,602 | $31,224 |
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 |
|---|---|---|
| 2026-07-09 | Price change | $339,900 |
| 2026-06-22 | Price change | $380,000 |
| 2026-05-18 | Listed for sale | $425,000 |
View on Zillow