CCertihomes
189 Cottage Street, Auburn, NY 13021

$139,900

4 beds 2 baths 2,424 sqft Built 18860 days on marketActive

About this home

This is a great investment opportunity to add to or start a real estate portfolio. Both sides of this duplex are identical. On the first floor you will find a large eat-in kitchen, formal dinning room and living room. The second floor offers 2 nice sized bedrooms and a huge bathroom. There is a walk-up attic which offers great storage. The basement not only offers storage but laundry hook ups as well. Each unit has a covered rear porch which access a nice sized back yard. Rents are below market and could be adjusted. Even with lower rents, this investment offers a yearly NOI of approx $15, 133.

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
$2,387/mo

Real estate (PITI + HOA + PMI)
$1,558
Principal + interest$898
Property tax + insurance$608
PMI / 2nd mortgage$52
Utilities
$1,572
Heating + cooling$633
Internet + TV + phone$140
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$140
$2,387/mo TLC
Budget$5,000/mo
Remaining after TLC$2,613/mo
Purchase price
$139,900
Down payment
$6,995 (5%)
Loan amount
$132,905
APR
7.15%

Quick facts

Type
Duplex
Style
Duplex
Year built
1886
Lot size
0.1363 ac
Stories
2
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$4,568
MLS #
S1630011
County
Cayuga

At a glance

Basement

Home features

Appliances
GasWaterHeater
Parking
TwoOrMoreSpaces
Flooring
Carpet, Hardwood, Varies, Vinyl
Sewer
Connected

Lot features

NearPublicTransit, Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13021

MetricThis ZIPCountyUSA
Population38,12019,351,094299,088,112
Population Change Since1990-10.00%8.00%20.00%
Population Density321395
Male18,9559,381,926147,432,321
Female19,1659,969,168151,655,844
Never Married8,7074,946,39163,775,926
Married14,7257,166,701123,120,365
Separated2,3501,159,67312,639,686
Widowed3,0941,110,24515,467,586
Divorced2,8871,210,44823,075,029
Number Of House Hold14,3167,102,016111,826,380
Average House Hold Size2.502.642.60
Medial Age38.7836.5335.46
Median House Hold Income$39,327$49,847$48,276
Average House Hold Income$51,129$70,032$63,629
P C I$20,402$26,569$24,529
M D I$34,354$42,210$41,133
A T H E$44,195$54,185$50,898
S T R8.00%4.00%
W C J78.71%81.55%77.74%
(Zip) Code
13021

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

Map & walkability

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Listing information last refreshed 8/13/2025. Provided courtesy of The Real Estate Agency via Buffalo MLS. Information deemed reliable but not guaranteed.