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About This Home

This 4-bedroom, 1-bathroom single family at 540 Niagara Street in Utica, NY is listed for $144,900 ($114 per sqft). Built in 1940, the home offers 1,268 sqft of living space on a 0.05 acres lot.

Agent Description

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.

Key Features

  • Built in 1940
  • 0.05 acre lot
  • 2 stories

Property Details

2 stories
1 full
1940

Amenities

Hardwood

Monthly Cost Estimate

$775/mo

20% down · 6.5% · 30 years

Principal$105
Interest$628
Insurance$42

Estimates only. Actual payments may vary.

Location

540 Niagara Street

Utica, NY 13501

Features & Amenities

Interior Features

EatInKitchenSeparateFormalLivingRoomSkylightsBedroomOnMainLevel

Exterior Features

BlacktopDriveway

Property Details

Flooring

VariesCarpetHardwood

Construction

SprayFoamInsulation VinylSiding CopperPlumbing PexPlumbing

Pool Features

Porch

Parking

DrivewayGarage

Heating

Forced AirNatural Gas

Appliances

DryerGasWaterHeaterRefrigeratorWasher

Questions & Answers

This 4-bedroom, 1-bathroom single family at 540 Niagara Street is listed at $144,900 ($114/sqft). The estimated monthly payment is $628 based on 20% down at 6.5% interest.

Key features include: Built in 1940, 0.05 acre lot, 2 stories. Interior Features: EatInKitchen, SeparateFormalLivingRoom, Skylights. Exterior Features: BlacktopDriveway.

This property is listed by Joseph C. Pantola Jr. and can be reached at 3157256580 or jpantola@gmail.com.

JJ

Joseph C. Pantola Jr.

Agent at Coldwell Banker Faith Properties

(315) 725-6580

Listed by Coldwell Banker Faith Properties · View on Broker Site

MLS# S1653680· Source: listhub· Updated 175 days ago

Copyright © 2026 New York State Alliance of MLSs, LLC. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

540 Niagara Street, Utica, NY 13501

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