CCertihomes
644 Main Street, Independence, NY 14897

$259,900

2 beds 3 baths 1,728 sqft Built 2010270 days on marketActive

About this home

Located on a quiet stretch of Main Street in the Village of Whitesville, this beautiful one-story ranch home offers comfort, accessibility, and quality craftsmanship on a large 1-acre lot. Built in 2010 with energy efficiency and accessibility in mind, this thoughtfully designed home features a two-car-attached garage, a spacious backyard, and over 2, 000 sq. ft. of living space. Step inside a stunning eat-in kitchen featuring custom oak cabinetry, tile backsplash, recessed lighting, and a seamless flow into the main living room. A second living space of equal size opens through sliding glass doors to a large composite deck—an ideal setting for gatherings or peaceful evenings overlooking the backyard. The current owners designed and built this home for their retirement, with special consideration for their elderly parents. Handicap-accessible features include a ramp from the garage, wide doorways, pocket doors, and an open floor plan. The guest suite features a private, fully accessible bathroom with a roll-in shower, support bars, and an accessible toilet and sink. The oversized primary bedroom offers a full bathroom and large walk-in closet. A convenient half bath and main-level laundry area with a deep sink and additional storage complete the first floor. Hardwood floors flow throughout the main level. The private backyard, once a favorite playground for the grandchildren, offers plenty of room to play and explore. Bordering a cemetery with a seasonal stream along one edge, the setting is peaceful and secluded, yet just a short walk from the local school. Additional highlights include a partially finished basement with 8’ ceilings and an egress window, offering ample space for future expansion. Radiant in-floor heating, Anderson windows, and a superior wall foundation make this home highly energy efficient. The attached garage includes three overhead doors and access to attic storage. Enjoy the benefits of municipal water, natural gas, and high-speed internet in this move-in-ready home that perfectly blends comfort, functionality, and warmth.

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.15% APR.

Your estimated payment
$3,023/mo

Real estate (PITI + HOA + PMI)
$2,507
Principal + interest$1,668
Property tax + insurance$742
PMI / 2nd mortgage$97
Utilities
$1,046
Heating + cooling$375
Internet + TV + phone$130
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$130
$3,023/mo TLC
Budget$5,000/mo
Remaining after TLC$1,977/mo
Purchase price
$259,900
Down payment
$12,995 (5%)
Loan amount
$246,905
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Ranch
Year built
2010
Lot size
1.2 ac
Stories
1
Heating
Gas, Radiant
Cooling
Water
Connected, Public
HOA
Annual tax
$5,254
MLS #
S1571259
County
Allegany

At a glance

Basement
Garage (2)

Home features

Appliances
DishwasherElectricCooktopGasWaterHeaterMicrowaveRefrigerator
Interior
BreakfastBarDenEatInKitchenSolidSurfaceCounters
Exterior
GravelDriveway
Parking
AttachedGarage
Flooring
Hardwood, Tile, Varies
Sewer
SepticTank

Lot features

ResidentialLot

Neighborhood — 14897

MetricThis ZIPCountyUSA
Population76819,351,094299,088,112
Population Change Since19902.00%8.00%20.00%
Population Density29395
Male3889,381,926147,432,321
Female3809,969,168151,655,844
Never Married1534,946,39163,775,926
Married3587,166,701123,120,365
Separated191,159,67312,639,686
Widowed441,110,24515,467,586
Divorced551,210,44823,075,029
Number Of House Hold2717,102,016111,826,380
Average House Hold Size2.832.642.60
Medial Age39.1636.5335.46
Median House Hold Income$38,381$49,847$48,276
Average House Hold Income$39,863$70,032$63,629
P C I$14,066$26,569$24,529
M D I$33,570$42,210$41,133
A T H E$37,792$54,185$50,898
S T R8.50%4.00%
W C J81.72%81.55%77.74%
(Zip) Code
14897

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

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Listing information last refreshed 10/10/2024. Provided courtesy of Landquest Inc. via Buffalo MLS. Information deemed reliable but not guaranteed.