CCertihomes
97 Stark Street, Waterloo, NY 13165

$255,000

4 beds 2 baths 1,392 sqft Built 188018 days on marketActive

About this home

Welcome to your dream home! This beautifully remodeled single-family house offers the perfect combination of space, comfort, and modern upgrades—all in the heart of Waterloo. With 4 spacious bedrooms and 2 full bathrooms, this home can accommodate all types of living styles. This home has been thoughtfully remodeled both inside and out. All-new windows, doors, light fixtures, flooring, and appliances, full kitchen and bathroom remodels, along with major utilities such as the electric service, furnace, and hot water heater have all been recently redone—giving you peace of mind for years to come. A full bathroom was recently added to the upper level, bringing extra convenience and functionality to the home. The exterior has also seen extensive improvements, including a new roof, new driveway, leveled lawn with fresh grass, updated landscaping with new plants in front, and the addition of 12 trees to enhance curb appeal and privacy. Conveniently located just steps from local schools—including the junior and senior high school (grades 7–12) directly across the street—this updated and spacious home offers unmatched everyday convenience and a strong sense of community. With nearby shopping centers, parks, and more, you’ll enjoy the perfect blend of neighborhood charm and accessibility. Don’t miss your chance to own a home in one of Waterloo’s most desirable locations—schedule your showing today!

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
$2,683/mo

Real estate (PITI + HOA + PMI)
$2,177
Principal + interest$1,636
Property tax + insurance$445
PMI / 2nd mortgage$96
Utilities
$1,021
Heating + cooling$361
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,683/mo TLC
Budget$5,000/mo
Remaining after TLC$2,317/mo
Purchase price
$255,000
Down payment
$12,750 (5%)
Loan amount
$242,250
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Farmhouse, TwoStory
Year built
1880
Lot size
0.39 ac
Stories
2
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$1,912
MLS #
R1626247
County
Seneca

At a glance

Basement

Home features

Appliances
DryerDishwasherElectricWaterHeaterGasOvenGasRangeMicrowaveRefrigeratorWasher
Interior
BreakfastBarBreakfastAreaCeilingFansEatInKitchen
Exterior
GravelDrivewayPatio
Parking
NoGarage
Flooring
LuxuryVinyl, Tile, Varies
Sewer
Connected

Lot features

Rectangular, RectangularLot

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

Open in Google Maps →

Listing information last refreshed 7/30/2025. Provided courtesy of Crane Realty via Buffalo MLS. Information deemed reliable but not guaranteed.