CCertihomes
81 Oak Street, Geneva City, NY 14456

$188,000

4 beds 1 baths 1,668 sqft Built 191037 days on marketActive

About this home

Welcome to the home you've been waiting for! This charming home offers a spacious living room, formal dining area, and a functional kitchen with the convenience of first-floor laundry. Head upstairs to find three comfortable bedrooms and a full bath, ideal for rest and relaxation. And the best part? Stay cool all summer long with central air conditioning, comfort you’ll appreciate right now. Need bonus space? The finished attic adds an extra 334 square feet that is perfect for a bedroom, playroom, home office, or creative retreat. Public records show 1, 334 square feet of main living space, plus the additional finished attic area, giving you plenty of room to spread out. All of this is located just minutes from the lake, hospital, schools, and downtown Geneva. Its everything you need right at your fingertips. Come see why this one feels like home the moment you step inside!

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
$2,654/mo

Real estate (PITI + HOA + PMI)
$2,038
Principal + interest$1,206
Property tax + insurance$761
PMI / 2nd mortgage$71
Utilities
$1,186
Heating + cooling$441
Internet + TV + phone$138
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$138
$2,654/mo TLC
Budget$5,000/mo
Remaining after TLC$2,346/mo
Purchase price
$188,000
Down payment
$9,400 (5%)
Loan amount
$178,600
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
TwoStory
Year built
1910
Lot size
0.067 ac
Stories
2
Heating
Gas, ForcedAir
Cooling
CentralAir
Water
Connected, Public
HOA
Annual tax
$6,266
MLS #
R1621406
County
Ontario

At a glance

Air conditioning
Basement

Home features

Appliances
DryerDishwasherElectricCooktopGasWaterHeaterRefrigeratorWasher
Interior
AtticCeilingFansSeparateFormalDiningRoomEntranceFoyerSeparateFormalLivingRoom
Exterior
ConcreteDriveway
Parking
NoGarage
Flooring
Carpet, CeramicTile, Hardwood, Varies
Roof
Asphalt
Sewer
Connected

Lot features

Rectangular, RectangularLot, ResidentialLot

Neighborhood — 14456

MetricThis ZIPCountyUSA
Population22,22419,351,094299,088,112
Population Change Since19904.00%8.00%20.00%
Population Density295395
Male10,7099,381,926147,432,321
Female11,5169,969,168151,655,844
Never Married6,1524,946,39163,775,926
Married8,3527,166,701123,120,365
Separated8161,159,67312,639,686
Widowed1,5181,110,24515,467,586
Divorced1,6711,210,44823,075,029
Number Of House Hold7,9987,102,016111,826,380
Average House Hold Size2.552.642.60
Medial Age35.9436.5335.46
Median House Hold Income$40,133$49,847$48,276
Average House Hold Income$49,495$70,032$63,629
P C I$18,962$26,569$24,529
M D I$34,961$42,210$41,133
A T H E$43,346$54,185$50,898
S T R7.13%4.00%
W C J78.33%81.55%77.74%
(Zip) Code
14456

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

Map & walkability

Open in Google Maps →

Listing information last refreshed 7/11/2025. Provided courtesy of Coldwell Banker Finger Lakes via Buffalo MLS. Information deemed reliable but not guaranteed.