CCertihomes
495 State Route 38, Harford, NY 13053

$283,000

4 beds 2 baths 1,846 sqft Built 18709 days on marketActive

About this home

Coming to market for the first time in over 30 years, this spacious 4-bedroom, 2-bath home offers a blend of classic charm and recent updates. A large open kitchen provides plenty of space for cooking and gathering, while the formal living room is perfect for entertaining. The enclosed back porch is ideal for relaxing or enjoying three-season living. The fairly new primary bedroom suite adds modern comfort, and the convenience of first-floor laundry makes everyday living easier. An attached 2-car garage offers ample storage and protection from the elements. With room to add your personal touches, this partially-updated home is full of potential!

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
$3,199/mo

Real estate (PITI + HOA + PMI)
$2,543
Principal + interest$1,816
Property tax + insurance$621
PMI / 2nd mortgage$106
Utilities
$1,336
Heating + cooling$516
Internet + TV + phone$138
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$138
$3,199/mo TLC
Budget$5,000/mo
Remaining after TLC$1,801/mo
Purchase price
$283,000
Down payment
$14,150 (5%)
Loan amount
$268,850
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
HistoricAntique
Year built
1870
Lot size
1.02 ac
Stories
0
Heating
Oil, ForcedAir
Cooling
WallUnits
Water
Well
HOA
Annual tax
$3,497
MLS #
S1627417
County
Cortland

At a glance

Air conditioning
Basement
Garage (2)

Home features

Appliances
DryerElectricOvenElectricRangeElectricWaterHeaterMicrowaveRefrigeratorWasher
Interior
CeilingFansEatInKitchenSeparateFormalLivingRoomWindowTreatmentsMainLevelPrimaryPrimarySuite
Exterior
BlacktopDrivewayEnclosedPorchPorchPrivateYardSeeRemarks
Parking
AttachedCarportElectricityGarageStorageWorkshopInGarageWaterAvailableDrivewayGarageDoorOpener
Flooring
Laminate, Varies, Vinyl
Roof
Asphalt
Sewer
SepticTank

Lot features

IrregularLot

Neighborhood — 13053

MetricThis ZIPCountyUSA
Population4,69719,351,094299,088,112
Population Change Since19901.00%8.00%20.00%
Population Density118395
Male2,3729,381,926147,432,321
Female2,3259,969,168151,655,844
Never Married9234,946,39163,775,926
Married2,2087,166,701123,120,365
Separated1671,159,67312,639,686
Widowed1901,110,24515,467,586
Divorced3671,210,44823,075,029
Number Of House Hold1,7317,102,016111,826,380
Average House Hold Size2.672.642.60
Medial Age35.1536.5335.46
Median House Hold Income$50,533$49,847$48,276
Average House Hold Income$55,241$70,032$63,629
P C I$20,675$26,569$24,529
M D I$42,971$42,210$41,133
A T H E$46,776$54,185$50,898
S T R8.00%4.00%
W C J80.64%81.55%77.74%
(Zip) Code
13053

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

Map & walkability

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Listing information last refreshed 8/4/2025. Provided courtesy of Tompkins Cortland Real Estate via Buffalo MLS. Information deemed reliable but not guaranteed.

495 State Route 38 · Harford — $283,000 · Certihomes