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546 Castle St, Geneva, NY, 14456

7beds
4baths
4,779sqft
$814,900
$171price/sqft
$6,522/moest. monthly cost
$260,880/yrincome needed

About This Home

Offered to the open market for the first time in over 160 years, this circa 1862 brick colonial is a rare opportunity to own a piece of Geneva’s rich history. Built by Thomas Smith, co-founder of the W & T Smith Nursery Company, this stately residence was the first grand home on Castle Street and has remained in the Smith family for generations. Spanning 4,700+ sq. ft. and set on nearly 2 acres, this home offers 5 to 7 bedrooms, 3.5 bathrooms, and an original two-story carriage house. Perfect as a single-family residence or an exceptional Bed & Breakfast, the property combines timeless character with extensive modern updates. The home has recently undergone a comprehensive renovation, including a brand-new roof, complete re-wiring, all new plumbing, renovated bathrooms, and a brand-new kitchen designed for today’s lifestyle. Original wood flooring has been beautifully refinished, and the entire home has been freshly painted, providing a move-in-ready experience while preserving historic charm. Steeped in history, this residence reflects the legacy of the Smith family, who immigrated from England in the 1830s and built one of Geneva’s most influential businesses. The nursery they founded flourished across Castle Street, and the family’s grand homes became neighborhood landmarks. Thomas Smith’s residence, completed in 1862, was the first of these remarkable properties, later joined by others built by his brother William Smith, founder of William Smith College, and Thomas’s son. The elegant architecture, generous room sizes, and carriage house create endless possibilities for the next owner. Whether you envision a private family retreat, a boutique inn, or a blend of historic living and modern convenience, 546 Castle Street offers unmatched potential and a chance to continue a legacy over a century in the making.

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

3/10
5/10
Geneva Middle SchoolGrades 6-80.7 mi
4/10
Geneva High SchoolGrades 9-120.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1862

Materials

  • Foundation: Stone
  • Roof: Membrane,Rubber
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial,Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Separate/Formal Dining Room,Entrance Foyer,Eat-in Kitchen,Separate/Formal Living Room,Great Room,Kitchen Island,Quartz Counters,Walk-In Pantry,Natural Woodwork,Workshop
  • Flooring: Hardwood,Tile,Varies
  • Number of fireplaces: 3
  • Fireplace: Yes

Heating

  • Heating features: Gas,Steam

Interior Area

  • Total structure area: 4,779
  • Total interior livable area: 4,779 sqft

Property

Details

  • Parcel number: 32050010400600020441000000
  • Special condition: Estate

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Open,Porch
  • Exterior features: Gravel Driveway,Private Yard,See Remarks

Lot

  • Lot size: 2 Acres
  • Features: Irregular Lot,Residential Lot
  • Lot size dimensions: 333 x 620

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage,Circular Driveway,Other
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Strong Wind

FEMA Declared Disasters in Ontario County and New York

Flood
Hurricane
Severe Storm
Tropical Depression
Tropical 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 $4,120$49,440
Home Insurance *$330$3,960
Property Taxes $1,283$15,396
Electricity $789$9,477
Total$6,522$78,264
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$223,611/yr
40% on housing$195,660/yr
45% on housing$173,920/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: 3.8%
3.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 14456$136
Ontario County$222

vs Homes Sold Last Month

Median $/sqft

ZIP 14456$149
Ontario County$174

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
2026-04-02Price change$814,900
2025-09-05Listed for sale$825,000
2005-01-03Sold$137,000

For Sale by Agent

AgentDaniel J. Toner
BrokerageCentury 21 Steve Davoli RE

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