CCertihomes
91 Virginia Street, Waterloo, NY 13165

$195,000

2 beds 3 baths 2,924 sqft Built 18600 days on marketActive

About this home

Looking for great investment. Here it is. This two apartment house offers ample living space. Possibly the owner to occupy the main apartment and rent the upper apartment. Original hardwood woodwork and amazing detail on the main staircase. Two fire places on lower level. Neither have been used in a longtime. Chimneys will need to be inspected. There is plenty of space to create a second bedroom in lower apartment. Many options. Separate entrance to upper apartment. Large front porch. Spacious deck to enjoy entertaining or just to relax after a long day. Located minutes from downtown. Walking distance to local eateries.

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
$2,947/mo

Real estate (PITI + HOA + PMI)
$2,073
Principal + interest$1,251
Property tax + insurance$749
PMI / 2nd mortgage$73
Utilities
$1,711
Heating + cooling$706
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,947/mo TLC
Budget$5,000/mo
Remaining after TLC$2,053/mo
Purchase price
$195,000
Down payment
$9,750 (5%)
Loan amount
$185,250
APR
7.15%

Quick facts

Type
MultiFamily
Style
Year built
1860
Lot size
0.28 ac
Stories
2
Heating
Gas, Baseboard, HotWater
Cooling
Water
Connected, Public
HOA
Annual tax
$5,427
MLS #
R1619561
County
Seneca

At a glance

Fireplace
Basement
Garage (2)

Home features

Appliances
GasWaterHeater
Interior
NaturalWoodwork
Exterior
Deck
Parking
PavedTwoOrMoreSpacesGarageDoorOpener
Flooring
Carpet, Hardwood, Varies, Vinyl
Roof
Asphalt, Shingle
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 7/12/2025. Provided courtesy of Finger Lakes Prime Realty, LLC via Buffalo MLS. Information deemed reliable but not guaranteed.