CCertihomes
810 Cosby Road, Utica, NY 13502

$285,900

3 beds 2 baths 1,368 sqft Built 195785 days on marketActive

About this home

Updated spacious 3-4 bedroom Cape Cod, 2 full baths and large bright family room in the basement. Large eat-in updated kitchen. Spacious Living Room with hardwood floors throughout first floor: new laminate floors second floor bedrooms with large closets and additional storage space. Formal dining room could be possible 4th bedroom. One stall garage with plenty of space for storage and nice size backyard for entertaining.

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
$3,138/mo

Real estate (PITI + HOA + PMI)
$2,606
Principal + interest$1,834
Property tax + insurance$665
PMI / 2nd mortgage$107
Utilities
$1,095
Heating + cooling$398
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$3,138/mo TLC
Budget$5,000/mo
Remaining after TLC$1,862/mo
Purchase price
$285,900
Down payment
$14,295 (5%)
Loan amount
$271,605
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
CapeCod
Year built
1957
Lot size
0.1745 ac
Stories
0
Heating
Gas, ForcedAir
Cooling
CentralAir
Water
Connected, Public
HOA
Annual tax
$4,237
MLS #
S1606552
County
Oneida

At a glance

Air conditioning
Basement
Garage (1)

Home features

Appliances
DryerExhaustFanElectricOvenElectricRangeGasWaterHeaterRefrigeratorRangeHoodWasherHumidifier
Interior
EatInKitchenNaturalWoodwork
Exterior
BlacktopDrivewayPatio
Parking
AttachedGarageGarageDoorOpener
Flooring
Laminate, Varies
Roof
Asphalt
Sewer
Connected

Lot features

Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13502

MetricThis ZIPCountyUSA
Population29,02519,351,094299,088,112
Population Change Since1990-17.00%8.00%20.00%
Population Density609395
Male13,8339,381,926147,432,321
Female15,1919,969,168151,655,844
Never Married7,9864,946,39163,775,926
Married10,1677,166,701123,120,365
Separated1,6221,159,67312,639,686
Widowed2,4011,110,24515,467,586
Divorced2,1801,210,44823,075,029
Number Of House Hold11,5857,102,016111,826,380
Average House Hold Size2.352.642.60
Medial Age38.1036.5335.46
Median House Hold Income$32,508$49,847$48,276
Average House Hold Income$40,951$70,032$63,629
P C I$17,157$26,569$24,529
M D I$28,880$42,210$41,133
A T H E$38,331$54,185$50,898
S T R9.00%4.00%
W C J81.13%81.55%77.74%
(Zip) Code
13502

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

Map & walkability

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Listing information last refreshed 5/13/2025. Provided courtesy of Coldwell Banker Faith Properties via Buffalo MLS. Information deemed reliable but not guaranteed.