CCertihomes
16 Charles Street, Hamilton, NY 13346

$360,000

3 beds 2 baths 2,464 sqft Built 186533 days on marketActive

About this home

Charming and Spacious Village Home Just One Block from Hamilton's Village Green This inviting 3-bedroom, 2-bath home is ideally situated on a corner lot, offering generous back and side yards perfect for outdoor enjoyment. Step through the front door into a welcoming foyer with a hall closet and direct access to the bright and airy living room. The first floor features a comfortable family room, formal dining room, a full bath, and an eat-in kitchen—ideal for both daily living and entertaining. A mudroom connects the kitchen to the backyard and provides convenient access to the attached 2-car semi-detached garage. Upstairs, you’ll find three well-sized bedrooms, a full bath with laundry, a dedicated office space, and the potential for a fourth bedroom. Hardwood floors run throughout the home, adding warmth and character. Surrounding the property are beautiful perennial gardens that bloom season after season. This well-located home combines village charm with practical living—just steps from all the amenities Hamilton has to offer.

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
$4,480/mo

Real estate (PITI + HOA + PMI)
$3,718
Principal + interest$2,310
Property tax + insurance$1,273
PMI / 2nd mortgage$135
Utilities
$1,606
Heating + cooling$651
Internet + TV + phone$138
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$138
$4,480/mo TLC
Budget$5,000/mo
Remaining after TLC$520/mo
Purchase price
$360,000
Down payment
$18,000 (5%)
Loan amount
$342,000
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
HistoricAntique, TwoStory
Year built
1865
Lot size
0.18 ac
Stories
2
Heating
Oil, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$10,185
MLS #
S1619401
County
Madison

At a glance

Basement
Garage (2)

Home features

Appliances
DishwasherElectricOvenElectricRangeElectricWaterHeaterRefrigerator
Interior
EntranceFoyerEatInKitchenSeparateFormalLivingRoomHomeOfficeConvertibleBedroom
Exterior
ConcreteDrivewayPatio
Parking
AttachedElectricityGarage
Flooring
Hardwood, Laminate, Tile, Varies, Vinyl
Roof
Shingle
Sewer
Connected

Lot features

Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13346

MetricThis ZIPCountyUSA
Population5,64719,351,094299,088,112
Population Change Since1990-7.00%8.00%20.00%
Population Density158395
Male2,6529,381,926147,432,321
Female2,9959,969,168151,655,844
Never Married2,7974,946,39163,775,926
Married1,4537,166,701123,120,365
Separated3111,159,67312,639,686
Widowed2601,110,24515,467,586
Divorced2911,210,44823,075,029
Number Of House Hold1,3217,102,016111,826,380
Average House Hold Size2.522.642.60
Medial Age22.3536.5335.46
Median House Hold Income$41,200$49,847$48,276
Average House Hold Income$57,800$70,032$63,629
P C I$16,324$26,569$24,529
M D I$35,877$42,210$41,133
A T H E$48,231$54,185$50,898
S T R8.00%4.00%
W C J85.59%81.55%77.74%
(Zip) Code
13346

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

Map & walkability

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Listing information last refreshed 7/1/2025. Provided courtesy of Eagle River Realty, LLC via Buffalo MLS. Information deemed reliable but not guaranteed.