97 W Cayuga St, Oswego, NY, 13126
About This Home
97 W Cayuga St is a fixer-upper with incredible potential. This property offers 2,800 sqft of lot space on a 0.06-acre lot, featuring 40 feet of frontage and 70 feet of depth. The building is 1,782 sqft, The first floor has been gutted down to the studs, and there’s still some demo work to be completed on the second floor. While this home needs significant work, it’s a fantastic opportunity for someone looking for a project to tackle this summer. With a little vision and effort, this property offers the chance to create your dream home.
Getting Around
Very Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1920
Materials
- Foundation: Other,See Remarks
- Construction materials: Composite Siding,Other
Type & Style
- Home type: SingleFamily
- Architectural style: Historic/Antique
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 3
Features
- Other,See Remarks
- Flooring: Other,See Remarks
Heating
- Heating features: Gas,None
Interior Area
- Total structure area: 1,782
- Total interior livable area: 1,782 sqft
Property
Details
- Parcel number: 35120012805300020290000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Exterior features: See Remarks
Lot
- Lot size: 2,800 sqft
- Features: Corner Lot,Rectangular,Rectangular Lot,Residential Lot
- Lot size dimensions: 40 x 70
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
- Winter Weather
- Ice Storm
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Oswego 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 | $278 | $3,336 |
| Home Insurance * | $34 | $408 |
| Property Taxes | $89 | $1,068 |
| Electricity | $294 | $3,533 |
| Total | $695 | $8,340 |
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 |
|---|---|---|
| 2026-06-29 | Price change | $55,000 |
| 2026-01-13 | Pending sale | $47,000 |
| 2025-12-27 | Listed for sale | $47,000 |
| 2025-12-09 | Pending sale | $47,000 |
| 2025-12-07 | Listed for sale | $47,000 |
| 2025-09-30 | Pending sale | $47,000 |
| 2025-03-31 | Listed for sale | $47,000 |
| 2021-08-26 | Sold | $10,000 |
| 2017-06-09 | Sold | $15,000 |
| 2017-05-17 | Pending sale | $15,600 |
| 2017-05-09 | Price change | $15,600 |
| 2017-04-07 | Price change | $18,600 |
| 2017-02-04 | Price change | $22,600 |
| 2016-12-16 | Listed for sale | $27,560 |
| 2016-03-16 | Sold | $55,400 |
| 2007-01-08 | Sold | $110,000 |
| 1997-10-23 | Sold | $69,543 |
View on Zillow