CCertihomes
464 Spaulding Street, Elmira City, NY 14904

$139,000

4 beds 0 baths 3,931 sqft Built 19000 days on marketActive

About this home

Great investment opportunity, this package deal offers 5 units between two buildings. There is a 3 unit, and a 2 unit right next door to each other - making this convenient for someone looking to build their rental portfolio. There is only one tenant currently in each house, giving you 3 units to rent out immediately, or to fix up and increase value. These properties are great for value add, or someone looking to owner occupy and live for free! The 3 unit has separate meters for each apartment.

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
$2,957/mo

Real estate (PITI + HOA + PMI)
$1,840
Principal + interest$892
Property tax + insurance$896
PMI / 2nd mortgage$52
Utilities
$2,205
Heating + cooling$978
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,957/mo TLC
Budget$5,000/mo
Remaining after TLC$2,043/mo
Purchase price
$139,000
Down payment
$6,950 (5%)
Loan amount
$132,050
APR
7.15%

Quick facts

Type
MF
Style
Year built
1900
Lot size
Stories
2
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$7,275
MLS #
R1625531
County
Chemung

At a glance

Basement

Home features

Appliances
GasWaterHeater
Parking
NoneNoGarage
Flooring
Carpet, Laminate, Varies
Roof
Shingle
Sewer
Connected

Lot features

Rectangular, RectangularLot

Neighborhood — 14904

MetricThis ZIPCountyUSA
Population11,94419,351,094299,088,112
Population Change Since1990-13.00%8.00%20.00%
Population Density2,198395
Male5,6529,381,926147,432,321
Female6,2929,969,168151,655,844
Never Married2,6984,946,39163,775,926
Married4,2197,166,701123,120,365
Separated4691,159,67312,639,686
Widowed6931,110,24515,467,586
Divorced1,2471,210,44823,075,029
Number Of House Hold4,5027,102,016111,826,380
Average House Hold Size2.642.642.60
Medial Age34.8736.5335.46
Median House Hold Income$34,773$49,847$48,276
Average House Hold Income$41,040$70,032$63,629
P C I$15,691$26,569$24,529
M D I$30,790$42,210$41,133
A T H E$38,420$54,185$50,898
S T R8.00%4.00%
W C J77.96%81.55%77.74%
(Zip) Code
14904

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

Map & walkability

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Listing information last refreshed 8/11/2025. Provided courtesy of Howard Hanna Horseheads via Buffalo MLS. Information deemed reliable but not guaranteed.