CCertihomes
422 James Street, Utica, NY 13501

$180,000

4 beds 2 baths 1,755 sqft Built 192548 days on marketActive

About this home

Welcome to 422 James Street, This beautifully updated home features 4 bedrooms, 2 tiled baths, a modern kitchen, and an inviting living room with hardwood floors and updated lighting. Includes a full basement, a sunroom, two doors car garage, and a private backyard—perfect for family living. This move-in ready home combines modern updates with classic charm in a great location close to schools, parks, and shopping. Don’t miss your chance to make 422 James Street your new home—schedule a tour today!

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
$2,314/mo

Real estate (PITI + HOA + PMI)
$1,632
Principal + interest$1,155
Property tax + insurance$409
PMI / 2nd mortgage$68
Utilities
$1,317
Heating + cooling$509
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,314/mo TLC
Budget$5,000/mo
Remaining after TLC$2,686/mo
Purchase price
$180,000
Down payment
$9,000 (5%)
Loan amount
$171,000
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
TwoStory
Year built
1925
Lot size
0.124 ac
Stories
0
Heating
Gas, ForcedAir, HotWater
Cooling
WindowUnits
Water
Connected, Public
HOA
Annual tax
$2,093
MLS #
S1618151
County
Oneida

At a glance

Air conditioning
Basement
Garage (2)

Home features

Appliances
GasCooktopGasOvenGasRangeGasWaterHeaterRefrigerator
Interior
AtticBreakfastAreaSeparateFormalLivingRoomGraniteCountersBedroomOnMainLevelMainLevelPrimary
Exterior
BlacktopDriveway
Parking
DetachedGarage
Flooring
CeramicTile, Hardwood, Tile, Varies
Sewer
Connected

Lot features

NearPublicTransit, Rectangular, RectangularLot, 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 6/29/2025. Provided courtesy of Assist2Sell Buyers & Sellers 1st Choice via Buffalo MLS. Information deemed reliable but not guaranteed.