CCertihomes
8 Church Street, Waterloo, NY 13165

$127,000

3 beds 1 baths 1,896 sqft Built 193041 days on marketActive

About this home

Welcome to this spacious 3-bedroom, 1-bath home located in the charming Village of Waterloo, providing nearly 1, 900 square feet of comfortable living space. This well-maintained home features hardwood floors throughout, a generous living room, formal dining room, and a cozy den-like area perfect for a home office or reading nook. The eat-in kitchen has been tastefully updated with newer countertops, flooring, ceiling, and appliances. Enjoy the outdoors from the open covered front porch or the private rear covered porch. A double-wide driveway provides ample parking. Upstairs you’ll find three sizable bedrooms and a full bath, with a full walk-up attic offering additional storage or future potential. There's even space on the first floor off the kitchen for a possible second bathroom. Easy to care for and full of charm, this property is a great investment opportunity. Buyers must honor the current lease through 11/1/2025. 24–48 hour notice required for showings. Please see attachment for all updates.

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
$1,960/mo

Real estate (PITI + HOA + PMI)
$1,281
Principal + interest$815
Property tax + insurance$418
PMI / 2nd mortgage$48
Utilities
$1,271
Heating + cooling$486
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$1,960/mo TLC
Budget$5,000/mo
Remaining after TLC$3,040/mo
Purchase price
$127,000
Down payment
$6,350 (5%)
Loan amount
$120,650
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
TwoStory
Year built
1930
Lot size
0.1 ac
Stories
2
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$2,702
MLS #
R1619282
County
Seneca

At a glance

Basement

Home features

Appliances
GasOvenGasRangeGasWaterHeaterRefrigerator
Interior
SeparateFormalDiningRoomEatInKitchenNaturalWoodwork
Exterior
GravelDriveway
Parking
NoGarage
Flooring
Hardwood, Varies
Roof
Metal
Sewer
Connected

Lot features

Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13165

MetricThis ZIPCountyUSA
Population10,76219,351,094299,088,112
Population Change Since19902.00%8.00%20.00%
Population Density150395
Male5,3669,381,926147,432,321
Female5,3969,969,168151,655,844
Never Married2,1854,946,39163,775,926
Married4,4487,166,701123,120,365
Separated5281,159,67312,639,686
Widowed8821,110,24515,467,586
Divorced9151,210,44823,075,029
Number Of House Hold3,7987,102,016111,826,380
Average House Hold Size2.602.642.60
Medial Age39.6736.5335.46
Median House Hold Income$39,660$49,847$48,276
Average House Hold Income$50,179$70,032$63,629
P C I$19,113$26,569$24,529
M D I$34,687$42,210$41,133
A T H E$43,793$54,185$50,898
S T R8.00%4.00%
W C J82.10%81.55%77.74%
(Zip) Code
13165

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

Map & walkability

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Listing information last refreshed 7/7/2025. Provided courtesy of Howard Hanna via Buffalo MLS. Information deemed reliable but not guaranteed.