CCertihomes
65 Owego Street, Cortland, NY 13045

$109,000

3 beds 1 baths 1,332 sqft Built 1880133 days on marketActive

About this home

This two-story home is now available and offers a comfortable, spacious living experience. Featuring a one-car garage, an approximately 5-year-old roof, and a first-floor bedroom, this home is ideal for those seeking convenience and ease of living. The remodeled bathroom adds a modern touch, while the hardwood floors throughout enhance its charm. Enjoy family meals in the formal dining room or unwind in the cozy living room and den. Don’t miss the opportunity to own this well-maintained home in a desirable location!

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
$1,852/mo

Real estate (PITI + HOA + PMI)
$1,250
Principal + interest$699
Property tax + insurance$510
PMI / 2nd mortgage$41
Utilities
$1,098
Heating + cooling$397
Internet + TV + phone$138
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$138
$1,852/mo TLC
Budget$5,000/mo
Remaining after TLC$3,148/mo
Purchase price
$109,000
Down payment
$5,450 (5%)
Loan amount
$103,550
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
TwoStory
Year built
1880
Lot size
0.1209 ac
Stories
2
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$4,280
MLS #
S1597724
County
Cortland

At a glance

Basement
Garage (1)

Home features

Appliances
ElectricWaterHeaterGasOvenGasRangeRefrigerator
Interior
GalleyKitchenBedroomOnMainLevel
Exterior
BlacktopDriveway
Parking
DetachedGarageSharedDriveway
Flooring
Hardwood, Varies
Sewer
Connected

Lot features

Rectangular, RectangularLot

Neighborhood — 13045

MetricThis ZIPCountyUSA
Population28,78519,351,094299,088,112
Population Change Since1990-3.00%8.00%20.00%
Population Density273395
Male13,7149,381,926147,432,321
Female15,0709,969,168151,655,844
Never Married9,0554,946,39163,775,926
Married9,6337,166,701123,120,365
Separated1,8741,159,67312,639,686
Widowed1,7491,110,24515,467,586
Divorced2,1291,210,44823,075,029
Number Of House Hold10,1437,102,016111,826,380
Average House Hold Size2.512.642.60
Medial Age31.8336.5335.46
Median House Hold Income$34,625$49,847$48,276
Average House Hold Income$44,673$70,032$63,629
P C I$16,699$26,569$24,529
M D I$30,687$42,210$41,133
A T H E$40,548$54,185$50,898
S T R8.00%4.00%
W C J78.84%81.55%77.74%
(Zip) Code
13045

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

Map & walkability

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Listing information last refreshed 4/7/2025. Provided courtesy of Hage Real Estate via Buffalo MLS. Information deemed reliable but not guaranteed.