CCertihomes
631 Smith Street, Rochester, NY 14606

$84,999

3 beds 1 baths 1,139 sqft Built 193023 days on marketActive

About this home

Spacious 3 bedroom and 1 full bath home in the city of Rochester! Step inside to find gleaming hardwood floors throughout the first floor. The spacious living room offers the perfect gathering space, while the formal dining room features a charming built-in shelf. The updated kitchen is a true highlight, boasting stylish colored cabinets, brand-new countertops, updated flooring, and a modern light fixture. Enjoy the ease of one-floor living with a convenient 1st floor bedroom and full bathroom. Upstairs, you’ll find 2 additional generously sized bedrooms. Fresh paint throughout gives the entire home a clean, move-in-ready feel, and some vinyl replacement windows add efficiency and peace of mind. Outside, enjoy the fully shaded backyard—perfect for relaxing or entertaining on warm summer days. This home is one that you won't want to miss!

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
$1,357/mo

Real estate (PITI + HOA + PMI)
$836
Principal + interest$545
Property tax + insurance$259
PMI / 2nd mortgage$32
Utilities
$913
Heating + cooling$302
Internet + TV + phone$143
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$143
$1,357/mo TLC
Budget$5,000/mo
Remaining after TLC$3,643/mo
Purchase price
$84,999
Down payment
$4,250 (5%)
Loan amount
$80,749
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
CapeCod, HistoricAntique, TwoStory
Year built
1930
Lot size
0.1676 ac
Stories
0
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$1,622
MLS #
R1622729
County
Monroe

At a glance

Basement

Home features

Appliances
GasWaterHeater
Interior
SeparateFormalDiningRoomEntranceFoyerEatInKitchenSeparateFormalLivingRoomBedroomOnMainLevel
Exterior
BlacktopDrivewayFence
Parking
NoGarage
Flooring
Hardwood, Varies, Vinyl
Roof
Asphalt
Sewer
Connected

Lot features

Rectangular, RectangularLot, ResidentialLot

Neighborhood — 14606

MetricThis ZIPCountyUSA
Population27,46419,351,094299,088,112
Population Change Since1990-3.00%8.00%20.00%
Population Density2,618395
Male13,1419,381,926147,432,321
Female14,3239,969,168151,655,844
Never Married6,8234,946,39163,775,926
Married9,4767,166,701123,120,365
Separated1,2501,159,67312,639,686
Widowed1,5611,110,24515,467,586
Divorced2,3991,210,44823,075,029
Number Of House Hold10,6387,102,016111,826,380
Average House Hold Size2.572.642.60
Medial Age35.3036.5335.46
Median House Hold Income$39,988$49,847$48,276
Average House Hold Income$45,572$70,032$63,629
P C I$17,728$26,569$24,529
M D I$34,893$42,210$41,133
A T H E$41,094$54,185$50,898
S T R8.00%4.00%
W C J71.99%81.55%77.74%
(Zip) Code
14606

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 Keller Williams Realty Greater Rochester via Buffalo MLS. Information deemed reliable but not guaranteed.