CCertihomes
40 Church Street, Richfield, NY 13439

$269,900

6 beds 4 baths 3,151 sqft Built 19006 days on marketActive

About this home

Step into timeless elegance with this expansive 6-bedroom, 2.5-bathroom historic multi family home filled with character and potential. Nestled on a generously sized lot with an additional lot included, this unique property offers both charm and opportunity. Perfect for investors or large families, the main home offers spacious living across two levels, blending original details with functional updates. Perfect for an Air B&B. Enjoy soaring ceilings, intricate woodwork, and abundant natural light throughout. Bonus features include a separate apartment above the garage with a long-term tenant, providing instant rental income. The multi-family layout allows for flexible living arrangements, whether you're looking to house extended family or generate additional revenue. Don't miss your chance to own a piece of history with built-in income and room to grow.

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
$3,610/mo

Real estate (PITI + HOA + PMI)
$2,636
Principal + interest$1,732
Property tax + insurance$803
PMI / 2nd mortgage$101
Utilities
$1,967
Heating + cooling$834
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$3,610/mo TLC
Budget$5,000/mo
Remaining after TLC$1,390/mo
Purchase price
$269,900
Down payment
$13,495 (5%)
Loan amount
$256,405
APR
7.15%

Quick facts

Type
MultiFamily
Style
Year built
1900
Lot size
0.73 ac
Stories
2
Heating
Oil, HotWater
Cooling
Water
Connected, Public
HOA
Annual tax
$5,164
MLS #
S1626313
County
Otsego

At a glance

Basement
Garage (2)

Home features

Appliances
OilWaterHeater
Interior
CeilingFans
Parking
Paved
Flooring
Carpet, Hardwood, Varies
Roof
Metal
Sewer
Connected

Lot features

IrregularLot, ResidentialLot

Neighborhood — 13439

MetricThis ZIPCountyUSA
Population2,54919,351,094299,088,112
Population Change Since1990-1.00%8.00%20.00%
Population Density28395
Male1,2469,381,926147,432,321
Female1,3039,969,168151,655,844
Never Married4664,946,39163,775,926
Married1,2007,166,701123,120,365
Separated1111,159,67312,639,686
Widowed1991,110,24515,467,586
Divorced1881,210,44823,075,029
Number Of House Hold9787,102,016111,826,380
Average House Hold Size2.562.642.60
Medial Age43.4736.5335.46
Median House Hold Income$39,057$49,847$48,276
Average House Hold Income$51,728$70,032$63,629
P C I$19,884$26,569$24,529
M D I$34,272$42,210$41,133
A T H E$44,222$54,185$50,898
S T R8.00%4.00%
W C J84.89%81.55%77.74%
(Zip) Code
13439

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

Map & walkability

Open in Google Maps →

Listing information last refreshed 7/29/2025. Provided courtesy of Coldwell Banker Faith Properties via Buffalo MLS. Information deemed reliable but not guaranteed.