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      Property at 540 Niagara Street, Utica, NY 13501
      ACTIVE
      $5,000
      $144,900

      540 Niagara StreetUtica, NY, 13501

      4 Beds1 Baths1,268 SqFt0.0479 Acres
      This inviting corner home sits on a generous double lot in an established residential area known for its peaceful setting and well-kept properties. The oversized driveway offers abundant parking, and the location provides excellent access to Downtown Utica, the NYS Thruway, Route 5S, the North–South Arterial, and is just minutes from the new dog park and TR Proctor Park. The owner has enjoyed nearly 20 years here, and it shows. The spacious yard is ideal for everyday living, while the home’s location places you close to hospitals, colleges, restaurants, convenience stores, and more. With 4 bedrooms and over 1,200 square feet of living space, this home is comfortable, practical, and easy to maintain—featuring a newer furnace and updated insulation for efficient heating. A great opportunity in a well-located neighborhood—ready for its next chapter.
      1 / 32

      Est. Monthly

      $687/mo

      $144,900
      $5,000

      540 Niagara Street, Utica, NY

      4 Beds1 Bath1,268 SqFt0.0479 Acres

      This inviting corner home sits on a generous double lot in an established residential area known for its peaceful setting and well-kept properties. The oversized driveway offers abundant parking, and the location provides excellent access to Downtown Utica, the NYS Thruway, Route 5S, the North–South Arterial, and is just minutes from the new dog park and TR Proctor Park. The owner has enjoyed nearly 20 years here, and it shows. The spacious yard is ideal for everyday living, while the home’s location places you close to hospitals, colleges, restaurants, convenience stores, and more. With 4 bedrooms and over 1,200 square feet of living space, this home is comfortable, practical, and easy to maintain—featuring a newer furnace and updated insulation for efficient heating. A great opportunity in a well-located neighborhood—ready for its next chapter.

      StatusActive
      Property TypeResidential
      Property SubtypeSingle Family Residence
      Year Built1940
      Total Rooms7 rooms
      Days on Market155 days

      Est. Monthly Payment

      $686.82

      %
      %
      yr

      Private Mortgage Insurance

      Not required

      Affordability Checkoptional
      $

      Enter your annual income to check affordability

      Property Details

      Property Information

      540 Niagara Street

      Utica, NY 13501 • Oneida
      4
      Beds
      1
      Bath
      1,268
      SqFt
      0.0479
      Acres
      Status
      Active
      Property Type
      Residential
      Property Subtype
      Single Family Residence
      Year Built
      194086 years ago
      Total Rooms
      7 rooms
      Days on Market
      155 days
      Tax History
      Estimated values, may not reflect current amounts.
      • Annual Tax Amount
        $1,954
      Property History
      • Price reduced
        May 12, 2026 • NYSAMLS • S1653680
        $149,900 → $144,900
      • Listed for sale
        Dec 8, 2025 • NYSAMLS • S1653680
        $149,900
      Mortgage Calculator
      Estimated monthly payment for this property
      $686.82
      Down Payment
      Interest Rate
      Loan Term
      %
      %
      yearsyrs.
      Affordability Checkoptional
      $

      Enter your annual income to see if this home fits your budget

      Private Mortgage Insurance

      Not required — down payment above 20%
      MLS Information
      • Source
        NYSAMLS
      • MLS#
        S1653680
      • Listing Office
        Coldwell Banker Faith Properties
      • Last Updated
        7 hours ago

      Appliances

      • Appliances
        • Dryer
        • Gas Water Heater
        • Refrigerator
        • Washer

      Climate & Systems

      • Heating
        • Gas
        • Forced Air

      Interior Features

      • Flooring
        • Carpet
        • Hardwood
        • Varies
      • Basement
        • Full
        • Sump Pump
      • Windows
        Skylights
      • Interior Features
        • Eat In Kitchen
        • Separate Formal Living Room
        • Skylights
        • Bedroom On Main Level

      Parking

      • Parking Features
        • No Garage
        • Driveway

      Lot & Grounds

      • Lot Size
        0.0479 acres
      • Lot Features
        • Corner Lot
        • Rectangular
        • Rectangular Lot
      • Patio & Porch
        • Open
        • Porch
      • Exterior Features
        Blacktop Driveway

      Type

      • Property Type
        Residential
      • Property Subtype
        Single Family Residence
      • Architectural Style
        Two Story

      Structure

      • Construction
        • Spray Foam Insulation
        • Vinyl Siding
        • Copper Plumbing
        • Pex Plumbing
      • Roof
        Asphalt
      • Foundation
        Block

      Condition

      • Year Built
        1940
      • Condition
        Resale
      • Days on Market
        155 days
      • Water
        Connected
      • Sewer
        Connected
      • Electric
        Circuit Breakers
      • Utilities
        • Cable Available
        • High Speed Internet Available
        • Sewer Connected
        • Water Connected

      607-282-6242, (607) 282-6242, or +1 607 282 6242

      Kevin Lucero

      Kevin Lucero

      Lic. Real Estate Salesperson

      CallEmail
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