CCertihomes
97 E Church Street, Adams, NY 13605

$249,900

3 beds 2 baths 1,914 sqft Built 19400 days on marketActive

About this home

Income-Generating Dual Homes in Prime Village Location! Two distinct homes on a single, easy-to-maintain lot—perfect for investors or owner-occupants seeking flexibility and income potential. The main residence features 2 bedrooms, a formal dining room, a spacious living room, and a cozy eat-in kitchen. A full basement provides ample storage and offers excellent potential for future finishing or utility space. Conveniently separate, the second home offers 1 bedroom and boasts an open floor plan centered around a beautiful kitchen. The large bedroom can easily be converted into two bedrooms, offering increased income potential. Completing the property is a two-story barn with abundant parking and storage capabilities. This expansive structure is perfect for creative use—whether as a photography or art studio, hobby workshop, or rentable storage space—giving you endless income possibilities. Nestled in the heart of the village, the property is just steps away from charming shops, dining, and local amenities. Both homes have been meticulously cared for by involved owners, and reliable tenants are currently in place. Rents are below market value, allowing room for increased revenue. Live in one home and rent the other, lease both for dual income, or reimagine the barn for even more returns—this property offers an exceptional foundation for building equity and success.

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
$3,050/mo

Real estate (PITI + HOA + PMI)
$2,357
Principal + interest$1,603
Property tax + insurance$660
PMI / 2nd mortgage$94
Utilities
$1,381
Heating + cooling$536
Internet + TV + phone$143
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$143
$3,050/mo TLC
Budget$5,000/mo
Remaining after TLC$1,950/mo
Purchase price
$249,900
Down payment
$12,495 (5%)
Loan amount
$237,405
APR
7.15%

Quick facts

Type
MultiFamily
Style
Year built
1940
Lot size
0.4752 ac
Stories
1
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$4,271
MLS #
S1623126
County
Jefferson

At a glance

Basement
Garage (2)

Home features

Appliances
ElectricWaterHeater
Interior
CeilingFans
Parking
ParkingAvailableTwoOrMoreSpaces
Flooring
CeramicTile, Varies, Vinyl
Roof
Metal
Sewer
Connected

Lot features

FlagLot, ResidentialLot

Neighborhood — 13605

MetricThis ZIPCountyUSA
Population3,40119,351,094299,088,112
Population Change Since1990-1.00%8.00%20.00%
Population Density39395
Male1,6369,381,926147,432,321
Female1,7659,969,168151,655,844
Never Married6084,946,39163,775,926
Married1,5327,166,701123,120,365
Separated671,159,67312,639,686
Widowed2021,110,24515,467,586
Divorced2681,210,44823,075,029
Number Of House Hold1,2567,102,016111,826,380
Average House Hold Size2.712.642.60
Medial Age36.6436.5335.46
Median House Hold Income$41,466$49,847$48,276
Average House Hold Income$49,092$70,032$63,629
P C I$18,130$26,569$24,529
M D I$36,038$42,210$41,133
A T H E$43,218$54,185$50,898
S T R7.75%4.00%
W C J78.19%81.55%77.74%
(Zip) Code
13605

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

Map & walkability

Open in Google Maps →

Listing information last refreshed 7/18/2025. Provided courtesy of Home With Us Realty Group, LLC via Buffalo MLS. Information deemed reliable but not guaranteed.