CCertihomes
1230 Francis Street, Utica, NY 13502

$139,000

4 beds 2 baths 1,384 sqft Built 190028 days on marketActive

About this home

This 4-bedroom, 2-bathroom home is full of potential and ready for its next chapter. Whether you're an investor looking for a solid rental or a buyer ready to make it your own, this property delivers. With four true bedrooms and two full bathrooms, there's plenty of space for a large or growing family. The layout offers flexibility for comfortable everyday living and room to update as desired.

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)
$1,263
Principal + interest$892
Property tax + insurance$319
PMI / 2nd mortgage$52
Utilities
$1,099
Heating + cooling$400
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$1,852/mo TLC
Budget$5,000/mo
Remaining after TLC$3,148/mo
Purchase price
$139,000
Down payment
$6,950 (5%)
Loan amount
$132,050
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
TwoStory
Year built
1900
Lot size
0.0333 ac
Stories
2
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$1,637
MLS #
S1615007
County
Oneida

At a glance

Basement

Home features

Appliances
ElectricOvenElectricRangeElectricWaterHeater
Interior
SeparateFormalDiningRoomOtherSeeRemarks
Parking
NoGarageNoDriveway
Flooring
Hardwood, Varies
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 6/13/2025. Provided courtesy of Miner Realty & Prop Management via Buffalo MLS. Information deemed reliable but not guaranteed.