CCertihomes
832 Waverly Place, Utica, NY 13502

$129,900

4 beds 1 baths 1,352 sqft Built 19202 days on marketActive

About this home

Affordable and centrally located near Utica’s growing downtown corridor, this 4-bedroom, 1-bath home offers over 1, 300 square feet of living space and a classic layout that’s both practical and inviting. The formal dining room provides a natural gathering spot for meals or entertaining, and the vinyl flooring throughout the main level offers durability and easy upkeep. Set on a compact 40x45 lot, it's low-maintenance and perfectly situated just blocks from the new Wynn Hospital and downtown amenities, making an excellent option for buyers looking for affordability with convenience or an investment property. With sizable bedrooms, a traditional Four Square footprint, and a location just minutes from downtown, this home offers comfortable city living at a budget-friendly price.

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
$1,926/mo

Real estate (PITI + HOA + PMI)
$1,343
Principal + interest$833
Property tax + insurance$461
PMI / 2nd mortgage$49
Utilities
$1,081
Heating + cooling$391
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$1,926/mo TLC
Budget$5,000/mo
Remaining after TLC$3,074/mo
Purchase price
$129,900
Down payment
$6,495 (5%)
Loan amount
$123,405
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Colonial, TwoStory
Year built
1920
Lot size
0.0413 ac
Stories
2
Heating
Gas, ForcedAir, HotWater
Cooling
Water
Connected, Public
HOA
Annual tax
$3,450
MLS #
S1626470
County
Oneida

At a glance

Basement

Home features

Appliances
GasCooktopGasOvenGasRangeGasWaterHeaterRefrigerator
Interior
SeparateFormalDiningRoomEntranceFoyerEatInKitchen
Exterior
BlacktopDriveway
Parking
NoGarage
Flooring
Varies, Vinyl
Roof
Asphalt
Sewer
Connected

Lot features

NearPublicTransit, Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13502

MetricThis ZIPCountyUSA
Population29,02519,351,094299,088,112
Population Change Since1990-17.00%8.00%20.00%
Population Density609395
Male13,8339,381,926147,432,321
Female15,1919,969,168151,655,844
Never Married7,9864,946,39163,775,926
Married10,1677,166,701123,120,365
Separated1,6221,159,67312,639,686
Widowed2,4011,110,24515,467,586
Divorced2,1801,210,44823,075,029
Number Of House Hold11,5857,102,016111,826,380
Average House Hold Size2.352.642.60
Medial Age38.1036.5335.46
Median House Hold Income$32,508$49,847$48,276
Average House Hold Income$40,951$70,032$63,629
P C I$17,157$26,569$24,529
M D I$28,880$42,210$41,133
A T H E$38,331$54,185$50,898
S T R9.00%4.00%
W C J81.13%81.55%77.74%
(Zip) Code
13502

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

Map & walkability

Open in Google Maps →

Listing information last refreshed 8/13/2025. Provided courtesy of Coldwell Banker Faith Properties via Buffalo MLS. Information deemed reliable but not guaranteed.