CCertihomes
23 Oak Street, Allegany, NY 14706

$220,000

4 beds 3 baths 2,102 sqft Built 1880102 days on marketActive

About this home

Built in 1880, this charming 4-bedroom, 2.5-bath home seamlessly blends historic character with modern updates. Both full bathrooms have been tastefully renovated and now feature luxurious heated floors for ultimate comfort. The giant master bedroom is a true sanctuary, offering a huge walk-in closet and a private enclosed entrance directly from the driveway. Additional features include a 1-car garage, ample off-street parking, and two separate attics, each with convenient pull-down stairs for abundant storage. Recent updates enhance the home's appeal, including fresh paint in most rooms, new hardware, two new bedroom doors, a new bathroom door, stylish shiplap added to the stairwell, new ceilings in the half bath and master bedroom, and durable new carpet squares in the mudroom. This lovingly maintained home offers the perfect combination of timeless charm and modern convenience — a rare find ready to welcome you home!

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
$2,935/mo

Real estate (PITI + HOA + PMI)
$2,151
Principal + interest$1,412
Property tax + insurance$656
PMI / 2nd mortgage$83
Utilities
$1,551
Heating + cooling$626
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,935/mo TLC
Budget$5,000/mo
Remaining after TLC$2,065/mo
Purchase price
$220,000
Down payment
$11,000 (5%)
Loan amount
$209,000
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
TwoStory
Year built
1880
Lot size
0.4592 ac
Stories
2
Heating
Gas, Baseboard
Cooling
Water
Connected, Public
HOA
Annual tax
$4,453
MLS #
B1602536
County
Cattaraugus

At a glance

Basement
Garage (1)

Home features

Appliances
DryerDishwasherFreeStandingRangeGasWaterHeaterOvenRefrigeratorWasher
Interior
EatInKitchenSeparateFormalLivingRoomOtherSeeRemarksNaturalWoodwork
Exterior
BlacktopDrivewayPrivateYardSeeRemarks
Parking
AttachedGarage
Flooring
Carpet, Hardwood, Other, SeeRemarks, Varies
Roof
Asphalt
Sewer
Connected

Lot features

Other, Rectangular, RectangularLot, SeeRemarks

Neighborhood — 14706

MetricThis ZIPCountyUSA
Population6,86119,351,094299,088,112
Population Change Since1990-3.00%8.00%20.00%
Population Density88395
Male3,3219,381,926147,432,321
Female3,5409,969,168151,655,844
Never Married1,8654,946,39163,775,926
Married2,8207,166,701123,120,365
Separated3621,159,67312,639,686
Widowed3871,110,24515,467,586
Divorced4361,210,44823,075,029
Number Of House Hold2,2357,102,016111,826,380
Average House Hold Size2.632.642.60
Medial Age33.7136.5335.46
Median House Hold Income$41,150$49,847$48,276
Average House Hold Income$48,358$70,032$63,629
P C I$16,850$26,569$24,529
M D I$35,841$42,210$41,133
A T H E$42,768$54,185$50,898
S T R8.00%4.00%
W C J80.94%81.55%77.74%
(Zip) Code
14706

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

Map & walkability

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Listing information last refreshed 4/29/2025. Provided courtesy of WNYbyOwner.com via Buffalo MLS. Information deemed reliable but not guaranteed.