540 Niagara Street Utica, NY $ 149,900
540 Niagara Street
$ 149,900
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540 Niagara Street

Utica, NY, 13501
$ 149,900
Bedrooms4 Baths1.0 Sq 1,268

Monthly Estimate*

$ 935

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Single Family Home for sale in Utica, NY

for $149,900 with 4 bedrooms and 1 full bath. This 1,268 square foot home was built in 1940 on a lot size of 0.0479.

This inviting corner home sits on a generous double lot in an established residential area known for its peaceful setting and well-kept properties. The oversized driveway offers abundant parking, and the location provides excellent access to Downtown Utica, the NYS Thruway, Route 5S, the North–South Arterial, and is just minutes from the new dog park and TR Proctor Park. The owner has enjoyed nearly 20 years here, and it shows. The spacious yard is ideal for everyday living, while the home’s location places you close to hospitals, colleges, restaurants, convenience stores, and more. With 4 bedrooms and over 1,200 square feet of living space, this home is comfortable, practical, and easy to maintain—featuring a newer furnace and updated insulation for efficient heating. A great opportunity in a well-located neighborhood—ready for its next chapter.

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Single Family Active

Price

$ 149,900

Bedrooms

4

Full Bath

1

Property Type

Single Family

Taxes

$ 1,954

Style

TwoStory

Lot Size

0.0479

Year Built

1940

Town/City

Utica

County/Region

Oneida

MLS | Web ID

S1653680

Features
Interior
Interior Amenities EatInKitchen SeparateFormalLivingRoom Skylights BedroomOnMainLevel
Basement Full SumpPump
Flooring Carpet Hardwood Varies
Total Fireplaces 0
Total Stories 2
Basement (Y/N) Yes
Heating Y/N Yes
Window Features Skylights
Fireplace Y/N No
Half Baths 0
Laundry Features MainLevel
Total Bedrooms 4
Main Level Bedrooms 1
Main Level Bathrooms 1
Total Baths 1
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General
Sewer Connected
Heating Gas ForcedAir
Utilities CableAvailable HighSpeedInternetAvailable SewerConnected WaterConnected
Possession CloseOfEscrow
Roof Asphalt
Appliances Dryer GasWaterHeater Refrigerator Washer
Garage Spaces 0.0
Patio/Porch Features Open Porch
Architectural Style TwoStory
Construction Materials SprayFoamInsulation VinylSiding CopperPlumbing PexPlumbing
School District Utica
Year Built 1940
Electric CircuitBreakers
Stories Count 2
Township Not Applicable
Levels Two
Property Subtype SingleFamilyResidence
County Oneida
Property Type Residential
Garage Y/N No
Other Structures Sheds Storage
Total Rooms 7
Full Baths 1
Status Active
City Utica
Senior Community Y/N No
High School District Utica
Number Of Units Total 0
MLS Area Utica-City-301600
Lot Size Units Acres
Lot Size Square Feet 2088.0
Year Built Details Existing
Tax Annual Amount 1954.0
Property Condition Resale
Virtual Tour https://www.propertypanorama.com/instaview/syr/S1653680
Standard Status Active
Middle/Junior School District Utica
Elementary School District Utica
Tax Assessed Value 29400
TaxOtherAnnualAssessmentAmount 100.0
Tax Lot 24
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Exterior
Exterior Amenities BlacktopDriveway
Parking Features NoGarage Driveway
Lot Features CornerLot Rectangular RectangularLot
Water Source Connected Public
Lot Size Area 0.0479
Foundation Details Block
Building Area Total 1268.0
Lot Dimensions 29X72
Lot Size Acres 0.0479
Waterfront Y/N No
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Internal Only
Street Number 1 540
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* Excluded Features
List By
Coldwell Banker Faith Properties

Broker

(315) 725-6580

Phone

Affordability Calculator

$1,098
Per Month
85%
15%
0%
Monthly Principal & Interest
$935
Monthly Property Taxes
$163
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
247699 Elementary School
246707 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
12/8/2025$149,900 Listed Price

Map


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540 Niagara Street, Utica, NY, 13501 is a Single Family Home for sale at $149,900 with 1,268 sqft and a lot size of 0.0479. 540 Niagara Street has 4 bedrooms, 1.0 baths, and was built in 1940. The property's zip code is 13501 which is in Utica, NY