CCertihomes
20 Governor Street, Oswego, NY 13126

$169,000

3 beds 1 baths 1,187 sqft Built 19053 days on marketActive

About this home

Welcome to 20 Governor Street! This 1, 187 sq. ft. home has so much to offer with a newly added main floor bedroom and half bath, some newer windows, updated appliances, a newer furnace, newer water heater, and fresh LVT flooring in parts of the home. Out back you’ll find a private fenced-in yard that’s perfect for pets, play, or just relaxing. Modern, cozy, and move-in ready – this one is easy to fall in love with!

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
$2,048/mo

Real estate (PITI + HOA + PMI)
$1,494
Principal + interest$1,084
Property tax + insurance$347
PMI / 2nd mortgage$63
Utilities
$1,024
Heating + cooling$349
Internet + TV + phone$160
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$160
$2,048/mo TLC
Budget$5,000/mo
Remaining after TLC$2,952/mo
Purchase price
$169,000
Down payment
$8,450 (5%)
Loan amount
$160,550
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
HistoricAntique, Other, SeeRemarks
Year built
1905
Lot size
0.0987 ac
Stories
0
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$1,767
MLS #
S1630662
County
Oswego

At a glance

Basement

Home features

Appliances
DishwasherElectricOvenElectricRangeElectricWaterHeaterGasWaterHeaterRefrigerator
Interior
EatInKitchenBedroomOnMainLevel
Exterior
ConcreteDrivewayDirtDrivewayFullyFencedGravelDriveway
Parking
NoGarage
Flooring
Hardwood, LuxuryVinyl, Varies
Sewer
Connected

Lot features

Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13126

MetricThis ZIPCountyUSA
Population27,18619,351,094299,088,112
Population Change Since1990-4.00%8.00%20.00%
Population Density273395
Male12,9889,381,926147,432,321
Female14,1999,969,168151,655,844
Never Married7,2134,946,39163,775,926
Married9,9187,166,701123,120,365
Separated1,9721,159,67312,639,686
Widowed1,7451,110,24515,467,586
Divorced1,8741,210,44823,075,029
Number Of House Hold9,7537,102,016111,826,380
Average House Hold Size2.582.642.60
Medial Age34.2536.5335.46
Median House Hold Income$34,693$49,847$48,276
Average House Hold Income$46,097$70,032$63,629
P C I$17,934$26,569$24,529
M D I$30,665$42,210$41,133
A T H E$41,368$54,185$50,898
S T R8.00%4.00%
W C J78.88%81.55%77.74%
(Zip) Code
13126

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

Map & walkability

Open in Google Maps →

Listing information last refreshed 8/17/2025. Provided courtesy of Century 21 Galloway Realty via Buffalo MLS. Information deemed reliable but not guaranteed.