CCertihomes
28 Prospect Street, Utica, NY 13501

$174,900

4 beds 2 baths 1,703 sqft Built 192042 days on marketActive

About this home

Experience this spacious 4 bedroom Colonial in convenient South Utica neighborhood near Hughes School. Enter the foyer, look back and admire the beautiful windows and French door. The entry and foyer set the stage for this spacious home that has brought comfort and joy for many years. The large living room with artificial fireplace offers welcoming space for loved ones to gather. It opens to a light filled sunroom, den or office. The eat in kitchen leads to a spacious formal dining room with lots of space to entertain. Move upstairs to see the generous sized bedrooms plus full bath. You'll find some original hardwood floors plus some easy maintenance new floors. Wide stairs lead to the full attic with lots of storage space. There is a full basement and a detached 2 stall garage. With endless possibilities, this home awaits your favorite touches.

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
$2,452/mo

Real estate (PITI + HOA + PMI)
$1,782
Principal + interest$1,122
Property tax + insurance$594
PMI / 2nd mortgage$66
Utilities
$1,289
Heating + cooling$495
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,452/mo TLC
Budget$5,000/mo
Remaining after TLC$2,548/mo
Purchase price
$174,900
Down payment
$8,745 (5%)
Loan amount
$166,155
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Colonial
Year built
1920
Lot size
0.1435 ac
Stories
2
Heating
Gas, HotWater
Cooling
Water
Connected, Public
HOA
Annual tax
$4,393
MLS #
S1611575
County
Oneida

At a glance

Fireplace
Basement
Garage (2)

Home features

Appliances
DryerElectricOvenElectricRangeGasWaterHeaterWasher
Interior
DenSeparateFormalDiningRoomEntranceFoyerEatInKitchen
Exterior
BlacktopDriveway
Parking
DetachedGarage
Flooring
Hardwood, Laminate, Varies
Sewer
Connected

Lot features

IrregularLot, ResidentialLot

Neighborhood — 13501

MetricThis ZIPCountyUSA
Population34,02319,351,094299,088,112
Population Change Since1990-16.00%8.00%20.00%
Population Density3,886395
Male16,0739,381,926147,432,321
Female17,9509,969,168151,655,844
Never Married9,1824,946,39163,775,926
Married10,9627,166,701123,120,365
Separated1,8791,159,67312,639,686
Widowed3,3331,110,24515,467,586
Divorced2,2481,210,44823,075,029
Number Of House Hold13,1277,102,016111,826,380
Average House Hold Size2.462.642.60
Medial Age37.6036.5335.46
Median House Hold Income$26,836$49,847$48,276
Average House Hold Income$41,657$70,032$63,629
P C I$17,125$26,569$24,529
M D I$24,413$42,210$41,133
A T H E$38,505$54,185$50,898
S T R9.00%4.00%
W C J81.89%81.55%77.74%
(Zip) Code
13501

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

Map & walkability

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Listing information last refreshed 6/2/2025. Provided courtesy of Coldwell Banker Faith Properties via Buffalo MLS. Information deemed reliable but not guaranteed.