CCertihomes
37 N State Street, Ripley, NY 14775

$54,900

4 beds 1 baths 2,866 sqft Built 19201 days on marketActive

About this home

This large diamond in the rough is just waiting for the right buyer to bring it back to life. Having potential for a personalized layout and design, this 4 bedroom 1 bath could easily be converted to a 5 bedroom, 3 bath home. The home boasts a large bonus room with vaulted ceilings and exposed beams, offering the perfect space for a grand living area, home office, creative studio, or anything else your heart desires. The possibilities are endless. The downstairs ceilings are beautiful! Outside the home offers a large covered back patio overlooking an expansive backyard. Situated in a peaceful small town of Ripley, this property provides an excellent opportunity for investors, flippers, or ambitious homeowners ready to build equity. Located near the school and local amenities, with easy access to major routes, this home combines the charm of small-town living with convenience. SOLD AS IS, WHERE AS. Seller will not clean out house, make any repairs, or provide survey.

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
$1,687/mo

Real estate (PITI + HOA + PMI)
$725
Principal + interest$352
Property tax + insurance$352
PMI / 2nd mortgage$21
Utilities
$1,778
Heating + cooling$737
Internet + TV + phone$138
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$138
$1,687/mo TLC
Budget$5,000/mo
Remaining after TLC$3,313/mo
Purchase price
$54,900
Down payment
$2,745 (5%)
Loan amount
$52,155
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
HistoricAntique, TwoStory
Year built
1920
Lot size
0.3 ac
Stories
2
Heating
Gas, HotWater
Cooling
Water
Connected, Public
HOA
Annual tax
$2,180
MLS #
R1617396
County
Chautauqua

At a glance

Basement

Home features

Appliances
GasWaterHeater
Interior
CeilingFansDenEatInKitchenSeparateFormalLivingRoomOtherSeeRemarksStorageBarBedroomOnMainLevelMainLevelPrimaryWorkshop
Exterior
ConcreteDrivewayDeckPatioPrivateYardSeeRemarks
Parking
NoGarage
Flooring
Hardwood, Other, SeeRemarks, Varies, Vinyl
Roof
Asphalt
Sewer
Connected

Lot features

Rectangular, RectangularLot, ResidentialLot

Neighborhood — 14775

MetricThis ZIPCountyUSA
Population3,54519,351,094299,088,112
Population Change Since1990-7.00%8.00%20.00%
Population Density61395
Male1,7919,381,926147,432,321
Female1,7549,969,168151,655,844
Never Married5224,946,39163,775,926
Married1,8307,166,701123,120,365
Separated951,159,67312,639,686
Widowed1901,110,24515,467,586
Divorced2671,210,44823,075,029
Number Of House Hold1,3137,102,016111,826,380
Average House Hold Size2.702.642.60
Medial Age39.4436.5335.46
Median House Hold Income$40,790$49,847$48,276
Average House Hold Income$52,844$70,032$63,629
P C I$19,572$26,569$24,529
M D I$35,592$42,210$41,133
A T H E$45,332$54,185$50,898
S T R8.00%4.00%
W C J78.00%81.55%77.74%
(Zip) Code
14775

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

Map & walkability

Open in Google Maps →

Listing information last refreshed 6/24/2025. Provided courtesy of ERA Team VP Real Estate via Buffalo MLS. Information deemed reliable but not guaranteed.