CCertihomes
6126 Lowell Road, Westmoreland, NY 13440

$499,000

5 beds 3 baths 3,100 sqft Built 19201 days on marketActive

About this home

This spacious 5-bedroom, 3 full-bath home located in the Town of Westmoreland offers incredible flexibility and potential. Whether you're looking for a multi-generational residence, an income-producing property, or a charming bed & breakfast setup, this home has it all. Situated on a beautifully maintained 1-acre lot in the Westmoreland School District, the property includes a private in-law apartment with its own driveway and entrance. The apartment features an eat-in kitchen, a large living room, a full bath, two generously sized bedrooms, and a cozy hallway sitting or reading room—making it ideal for extended family, guests, or rental income. The main home offers two bedrooms on the first floor and an extra-large third bedroom upstairs, a good size living room, a walk-in closet, first-floor laundry for added convenience, and a kitchen with a durable waterproof floor. There are two full bathrooms in the main house—one on each floor. Both the main house and apartment are fully insulated for year-round comfort, and the main house is equipped with a high-efficiency heat pump A/C system. The property also features two pellet stoves that provide warm, inviting heat and create a cozy atmosphere throughout the cooler months. A spacious two-stall garage includes electric service, storage, and a workshop area, perfect for hobbies or extra utility. Outside, the backyard is completely fenced in with custom Williams fencing and features a beautiful in-ground heated saltwater pool—ideal for relaxing or entertaining. The property also boasts three separate basements, including one beneath the pavilion, offering ample storage and the potential for additional living or recreational space. With plenty of parking and separate driveways for both the main house and the apartment, privacy and convenience are key features. Located just 10 minutes from Rome, 15 minutes from Oneida, and a little over 20 minutes to Utica and New Hartford, this home offers both a peaceful setting and easy access to nearby amenities.

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
$5,110/mo

Real estate (PITI + HOA + PMI)
$4,255
Principal + interest$3,202
Property tax + insurance$866
PMI / 2nd mortgage$187
Utilities
$1,901
Heating + cooling$801
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$5,110/mo TLC
Budget$5,610/mo
Remaining after TLC$500/mo
Purchase price
$499,000
Down payment
$24,950 (5%)
Loan amount
$474,050
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
HistoricAntique
Year built
1920
Lot size
1 ac
Stories
2
Heating
HeatPump, Other, SeeRemarks, Baseboard, ForcedAir
Cooling
HeatPump, Other, SeeRemarks, WallUnits
Water
Well
HOA
Annual tax
$3,497
MLS #
S1621328
County
Oneida

At a glance

Air conditioning
Fireplace
Basement
Garage (2)

Home features

Appliances
DishwasherElectricOvenElectricRangeElectricWaterHeaterDisposalMicrowaveRefrigerator
Interior
CeilingFansDiningAreaEntranceFoyerEatInKitchenSeparateFormalLivingRoomCountryKitchenSlidingGlassDoorsBedroomOnMainLevelInLawFloorplanProgrammableThermostat
Exterior
BlacktopDrivewayDeckFullyFencedPoolPrivateYardSeeRemarks
Parking
DetachedElectricityGarageStorageWorkshopInGarageDriveway
Pool
InGround
Flooring
Carpet, CeramicTile, Laminate, Tile, Varies
Roof
Asphalt
Sewer
SepticTank

Lot features

IrregularLot, RuralLot

Neighborhood — 13440

MetricThis ZIPCountyUSA
Population32,05219,351,094299,088,112
Population Change Since1990-29.00%8.00%20.00%
Population Density260395
Male15,6139,381,926147,432,321
Female16,4399,969,168151,655,844
Never Married7,4144,946,39163,775,926
Married12,0447,166,701123,120,365
Separated1,6191,159,67312,639,686
Widowed2,5691,110,24515,467,586
Divorced2,7541,210,44823,075,029
Number Of House Hold12,5327,102,016111,826,380
Average House Hold Size2.442.642.60
Medial Age38.7236.5335.46
Median House Hold Income$38,084$49,847$48,276
Average House Hold Income$48,394$70,032$63,629
P C I$19,680$26,569$24,529
M D I$33,405$42,210$41,133
A T H E$42,693$54,185$50,898
S T R9.00%4.00%
W C J78.64%81.55%77.74%
(Zip) Code
13440

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

Map & walkability

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Listing information last refreshed 7/19/2025. Provided courtesy of Coldwell Banker Prime Properties via Buffalo MLS. Information deemed reliable but not guaranteed.