CCertihomes
36 W Main Street, Waterloo, NY 13165

$369,900

6 beds 7 baths 3,813 sqft Built 185021 days on marketActive

About this home

Welcome to this stately brick Victorian established as a charming and successful Bed & Breakfast in the heart of the Finger Lakes, located in the historic "Birthplace of Memorial Day." This turnkey property offers five beautifully decorated ensuite guest bedrooms, plus a private owner's suite conveniently located on the first floor. A wide, open front porch sets the tone for relaxation and leisure, perfect for enjoying your favorite drink while taking in the village atmosphere. Inside, you're greeted by a grand foyer with a magnificent staircase, leading through elegant French doors to a formal living room, a spacious entertainment room complete with a pool table, and a spacious formal dining room ideal for guest breakfasts or special events. The fully applianced kitchen features a striking black and white tiled floor, with entrance out to side yard and full basement providing added functionality. A private rear entrance and parking area ensure convenience for both owners and guests. Throughout the home, there are plenty of inviting nooks for peaceful retreats, as well as open gathering spaces that encourage connection and comfort. Included in the sale is a former carriage house, now used for storage, with exciting potential for future conversion into additional living quarters or income-producing accommodations. Just steps from the Cayuga-Seneca Canal, downtown shopping, local banks, and Memorial Day Park, this lucrative business opportunity blends timeless elegance with small-town charm in one of the Finger Lakes' most beloved communities. Please see list of improvements attached. Such an impressive B&B and home that offers so much opportunity, rather a single family home or a continued business.

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
$4,803/mo

Real estate (PITI + HOA + PMI)
$3,812
Principal + interest$2,373
Property tax + insurance$1,300
PMI / 2nd mortgage$139
Utilities
$2,077
Heating + cooling$889
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$4,803/mo TLC
Budget$5,303/mo
Remaining after TLC$500/mo
Purchase price
$369,900
Down payment
$18,495 (5%)
Loan amount
$351,405
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
TwoStory
Year built
1850
Lot size
0.48 ac
Stories
2
Heating
Ductless, Gas, HotWater
Cooling
Ductless
Water
Connected, Public
HOA
Annual tax
$9,717
MLS #
R1617988
County
Seneca

At a glance

Air conditioning
Fireplace
Basement

Home features

Appliances
DishwasherExhaustFanDisposalGasOvenGasRangeGasWaterHeaterRefrigeratorRangeHood
Interior
CathedralCeilingsSeparateFormalDiningRoomEntranceFoyerSeparateFormalLivingRoomPantryMainLevelPrimary
Parking
NoGarageDriveway
Flooring
Carpet, Hardwood, Varies
Sewer
Connected

Lot features

NearPublicTransit, Rectangular, RectangularLot

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 7/18/2025. Provided courtesy of Howard Hanna via Buffalo MLS. Information deemed reliable but not guaranteed.