CCertihomes
34 Chestnut Street, Waterloo, NY 13165

$179,900

4 beds 1 baths 1,420 sqft Built 18601 days on marketActive

About this home

This comfortable home is attractively situated on a double lot with plenty of yard for a garden, add a garage, etc. The patio has a privacy fence and room for your grill. There is a nice formal dining room as well as an eat-in kitchen with plenty of cupboard space. The large living room has built-in shelves. Improvements in the last year include: water heater, refrigerator, kitchen sink plumbing and faucet, rubber roof over the kitchen, back steps, second driveway and fresh paint. Furnace, kitchen flooring, gutters, exterior doors, some windows and front porch roof are all about 6 years old. * All new carpet upstairs installed - April 2025. New sink, plumbing and vanity installed in bathroom-April 2025. Carpet in the living room was removed and the wood plank floor and stairsteps were refinished and new moldings installed in April 2025.* The lot to the south is not buildable so there is more spacious feeling to this yard . Just move-in to this neighborhood home close to stores, schools, etc. in the heart of the Finger Lakes.

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
$2,230/mo

Real estate (PITI + HOA + PMI)
$1,682
Principal + interest$1,154
Property tax + insurance$461
PMI / 2nd mortgage$67
Utilities
$1,047
Heating + cooling$374
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,230/mo TLC
Budget$5,000/mo
Remaining after TLC$2,770/mo
Purchase price
$179,900
Down payment
$8,995 (5%)
Loan amount
$170,905
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Colonial, TwoStory
Year built
1860
Lot size
0.25 ac
Stories
0
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$2,892
MLS #
R1624736
County
Seneca

At a glance

Basement

Home features

Appliances
GasOvenGasRangeGasWaterHeaterRefrigerator
Interior
CeilingFansSeparateFormalDiningRoomEatInKitchenPantryWindowTreatmentsBedroomOnMainLevelProgrammableThermostat
Exterior
FenceGravelDrivewayPatio
Parking
NoGarageDriveway
Flooring
Carpet, Hardwood, Varies, Vinyl
Roof
Asphalt, Membrane, Rubber, 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 7/23/2025. Provided courtesy of Coldwell Banker Finger Lakes via Buffalo MLS. Information deemed reliable but not guaranteed.