CCertihomes
1131 Saint Vincent Street, Utica, NY 13501

$159,900

7 beds 3 baths 2,737 sqft Built 19001 days on marketActive

About this home

Whether you're a seasoned investor or just getting started, this versatile 3-unit property is a must-see! Offering over 2, 700 square feet on a low-maintenance lot, this property delivers strong income potential and flexible living options. The first-floor unit features 3 spacious bedrooms, 1 full bathroom, updated laminate flooring, a generous living room, a formal dining area, an eat-in kitchen, and convenient in-unit laundry access. The second-floor unit mirrors the functionality of the first, with 3 bedrooms, 1 full bath, a roomy living space, an eat-in kitchen, laundry access, and a charming front porch. Tucked at the rear of the second floor is a compact studio apartment, perfect for maximizing rental income or accommodating guests. Additional features include a full basement, crawl space attic for storage, a 1.5-car garage, and a large driveway providing ample off-street parking. This multi-family home is a fantastic opportunity for owner-occupants and investors alike. Don't miss your chance to own a cash-flowing asset with value-add 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
$2,531/mo

Real estate (PITI + HOA + PMI)
$1,602
Principal + interest$1,026
Property tax + insurance$516
PMI / 2nd mortgage$60
Utilities
$1,795
Heating + cooling$748
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,531/mo TLC
Budget$5,000/mo
Remaining after TLC$2,469/mo
Purchase price
$159,900
Down payment
$7,995 (5%)
Loan amount
$151,905
APR
7.15%

Quick facts

Type
MultiFamily
Style
Triplex
Year built
1900
Lot size
0.1102 ac
Stories
2
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$3,099
MLS #
S1628611
County
Oneida

At a glance

Basement
Garage (1)

Home features

Appliances
ElectricWaterHeaterGasWaterHeater
Interior
CeilingFansEntranceFoyerPullDownAtticStairsNaturalWoodworkBedroomOnMainLevel
Exterior
FencePatio
Parking
PavedTwoOrMoreSpaces
Flooring
Hardwood, Laminate, Varies
Roof
Pitched, RolledHotMop, Shingle
Sewer
Connected

Lot features

Rectangular, RectangularLot, ResidentialLot

Schools

Middle
John F Kennedy Middle
High
Thomas R Proctor High

Neighborhood — 13501

MetricThis ZIPCountyUSA
Population34,02319,351,094299,088,112
Population Change Since1990-16.00%8.00%20.00%
Population Density3,886395
Male16,0739,381,926147,432,321
Female17,9509,969,168151,655,844
Never Married9,1824,946,39163,775,926
Married10,9627,166,701123,120,365
Separated1,8791,159,67312,639,686
Widowed3,3331,110,24515,467,586
Divorced2,2481,210,44823,075,029
Number Of House Hold13,1277,102,016111,826,380
Average House Hold Size2.462.642.60
Medial Age37.6036.5335.46
Median House Hold Income$26,836$49,847$48,276
Average House Hold Income$41,657$70,032$63,629
P C I$17,125$26,569$24,529
M D I$24,413$42,210$41,133
A T H E$38,505$54,185$50,898
S T R9.00%4.00%
W C J81.89%81.55%77.74%
(Zip) Code
13501

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

Map & walkability

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Listing information last refreshed 8/8/2025. Provided courtesy of eXp Realty via Buffalo MLS. Information deemed reliable but not guaranteed.