21 Church St

Waterloo, NY 13165

$188,000
Price
8
Beds
3,396 Sq. Ft.
$55 / Sq. Ft.
3,396
Sq. Ft.
$55
per Sq. Ft.
Get preapproved with Rocket Mortgage1

Description

Turnkey 4-Unit Investment Opportunity in the Village of Waterloo! Don’t miss this fully occupied, income-producing 4-unit property offering approximately 3,400 sq ft of living space. Ideally located in the heart of the Village of Waterloo, this property is within walking distance to schools, banks, the canal, and local shopping—and just 10 minutes to Geneva and Wegmans. Gross Annual Income: $48,600
This well-maintained multi-family features inviting open front and side porches, giving tenants great...Turnkey 4-Unit Investment Opportunity in the Village of Waterloo! Don’t miss this fully occupied, income-producing 4-unit property offering approximately 3,400 sq ft of living space. Ideally located in the heart of the Village of Waterloo, this property is within walking distance to schools, banks, the canal, and local shopping—and just 10 minutes to Geneva and Wegmans. Gross Annual Income: $48,600

This well-maintained multi-family features inviting open front and side porches, giving tenants great outdoor space to relax, plus a yard for added enjoyment. Each unit offers comfortable living space, contributing to long-term tenant satisfaction. Recent updates include new flooring in most units, fresh interior and exterior paint, along with some updated appliances and fixtures—making this a solid, low-maintenance investment. Major mechanicals have been addressed with a boiler approximately 8 years old and a hot water heater around 5 years old. The roof is estimated at 18 years old. With steady rental history, fully occupied units, some units could benefit from some TLC, and a no-pet track record, this property is truly a cash-flowing asset ready for its next owner.
  1. Listed by Belinda A. Fratto • Howard Hanna
    P: (315)-781-7653 C: (315)-521-7413 Belindafratto@gmail.com

Property Details for 21 Church Street

Styles Of Residence
Fourplex
On Waterfront
No
Parking Description
Gravel, Off Site
Nearest Cross Street
E. Elisha St.
LISTING UPDATED: 05/04/2026 11:05 AM

Property Details for 21 Church Street

StatusActive
MLS #R1676789
Days on Market8
Taxes$3,822 / year
HOA Fees-
Condo/Co-op Fees-
Property TypeMulti Family
MLS TypeMulti Family / Residential
Year Built1900
Lot Size0.18 AC / 7,841 SF
CountySeneca County
Get preapproved with Rocket Mortgage1

Location

Listing Courtesy of Howard Hanna
Add your commute

Building Information for 21 Church Street

Stories2Residences4Year Built1900Building Size-Lot Size0.18 AC / 7,841 SF

Payment Calculator

Get preapproved with Rocket Mortgage1

$1,265 per month

30 year fixed, 6.46% Interest

Principal and Interest

$947

Property Taxes

$319

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

Know your buying power with a preapproval and custom rate in minutes

Rocket Mortgage1

Property Information for 21 Church Street

Summary
Location and General Information
  • Elementary School District: Waterloo
  • High School District: Waterloo
  • Middle Or Junior School District: Waterloo
  • Village: Waterloo-Village
  • Human YN: Yes
Parking
  • Garage Spaces per Apt: .00
Taxes and HOA Information
  • Area NYSWIS Code: Waterloo Village-Waterloo-453801
  • Tax Annual Amount: $3,822.00
Property
Lot Information
  • Building Area Total: 3396.0
  • Land Features: Corner Lot, Near Public Transit, Rectangular, Rectangular Lot, Residential Lot
  • Num Of Acres: 0.18
  • Lot Size Area: 0.18
  • Lot Size Square Feet: 7841.0
  • Lot Size Units: Acres
  • Parcel Number: 453801-010-000-0002-013-000-0000
  • Road Frontage: City Street
  • Lot Number: 13
Property and Assessments
  • Property Condition: Resale
  • Senior Community YN: No
  • Assessed Value: $75,000
  • Year Built: 1900
  • Year Built Description: Existing
  • Zoning Description: Residential Multi Use
Utilities
  • Electric Service: Circuit Breakers
  • Num Of Electric Meters: 1
  • Num Of Gas Meters: 1
  • Sewer Description: Connected
  • Utilities Available: Cable Available, High Speed Internet Available, Sewer Connected, Water Connected
  • Water Supply: Connected, Public
Interior and Exterior Features
Exterior Features
  • Construction Materials: Attic Crawl Hatchways Insulated, Wood Siding
  • Foundation Description: Stone
  • Patio And Porch Features: Open, Porch
  • Roof Description: Asphalt
Interior Features
  • Appliances: Gas Water Heater
  • Basement Description: Full
  • Basement YN: Yes
  • Num Of Possible Bedrooms: 8
  • Num Fireplaces Total Calculated: 0
  • Fireplace YN: No
  • Floor Description: Laminate, Varies, Vinyl
  • Heating: Gas, Baseboard, Hot Water
  • Heating YN: Yes
  • Levels: Two
  • Sq Ft Total: 3396.0
  • Main Level Bathrooms: 0
  • Window Features: Thermal Windows
Multi Family
Multi-Family Information
  • Gross Annual Income: $48,600.00
  • Number Of Units In Community: 4
  • Number Of Units Total: 4
  • Operating Expense Includes: Insurance, Utilities, Water Sewer
  • Stories: 2
  • Stories Total: 2
Unit 1
  • Unit Type Actual Rent: $1,200.00
  • Unit Type Baths Total: 1
  • Unit Type Beds Total: 3
  • Features: Oven/ Range,Refrigerator,Eat-In Kitchen,Living Room
  • Unit Type Total Rent: $1,200.00
  • Unit Type Month To Month YN: Yes
  • Unit Type Num Full Baths: 1
  • Unit Type Num Half Baths: 0
  • Unit Type Actual Rent Range: 1200
Unit 2
  • Unit Type Actual Rent: $900.00
  • Unit Type Baths Total: 1
  • Unit Type Beds Total: 1
  • Features: Oven/ Range,Refrigerator,Eat-In Kitchen,Living Room
  • Unit Type Total Rent: $900.00
  • Unit Type Month To Month YN: Yes
  • Unit Type Num Full Baths: 1
  • Unit Type Num Half Baths: 0
  • Unit Type Actual Rent Range: 900
Unit 3
  • Unit Type Actual Rent: $850.00
  • Unit Type Baths Total: 1
  • Unit Type Beds Total: 1
  • Features: Oven/ Range,Refrigerator,Eat-In Kitchen,Living Room
  • Unit Type Total Rent: $850.00
  • Unit Type Leased YN: Yes
  • Unit Type Num Full Baths: 1
  • Unit Type Num Half Baths: 0
  • Unit Type Actual Rent Range: 850
Unit 4
  • Unit Type Actual Rent: $1,100.00
  • Unit Type Baths Total: 1
  • Unit Type Beds Total: 3
  • Features: Oven/ Range,Refrigerator,Eat-In Kitchen,Living Room,Porch
  • Unit Type Total Rent: $1,100.00
  • Unit Type Month To Month YN: Yes
  • Unit Type Num Full Baths: 1
  • Unit Type Num Half Baths: 0
  • Unit Type Actual Rent Range: 1100
Rental
Rental Information
  • Rent Includes: Electricity, Heat

Property History for 21 Church Street

DateEvent & SourcePriceAppreciation
Apr 30, 2026

Listed (Active)

WNYREIS #R1676789

$188,000—
May 31, 2023

Sold

WNYREIS #R1454720

$130,000—
May 30, 2023

Sold (Public Record)

Public Record #11014905902

$130,000—
DateEvent & SourcePrice
04/30/2026

Listed (Active)

WNYREIS #R1676789

$188,000
05/31/2023

Sold

WNYREIS #R1454720

$130,000
05/30/2023

Sold (Public Record)

Public Record #11014905902

$130,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 21 Church Street

Taxable ValueLand$12,100Additions$62,900Total$75,000
Tax Record2024$4,714 ($393 / month)
Home Facts
Baths3Total Finished SqFt3,396 SqFtAbove Grade Finished SqFt3,396 SqFtStories2Lot Size7,841 SqFtStyleTriplexYear Built1900Zoning02 - SINGLE RCountySENECAAPN453801 10-2-13

Schools near 21 Church Street

This home is within Waterloo Central School District.
Rating
School
Type
Grades
Distance
Skoi Yase School
Public - PK to 2
La Fayette School
Public - 3 to 5
Waterloo Middle School
Public - 6 to 8
Waterloo High School
Public - 9 to 12
Rating
School
Distance
Skoi Yase School
PublicPK to 2

La Fayette School
Public3 to 5

Waterloo Middle School
Public6 to 8

Waterloo High School
Public9 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

Similar Homes

Similar Sold Homes

Explore Nearby Homes

More information about 21 Church Street, Waterloo, NY 13165

21 Church Street is a multi-family home for sale in Waterloo, NY 13165. This property was listed for sale on April 30, 2026 by Howard Hanna, it's currently listed at $188,000. It has been on the market for a total of 8 days and was last sold on May 31, 2023. This listing's school district is Waterloo Central School District. Nearby schools include Skoi Yase School, La Fayette School and Waterloo Middle School. 21 Church Street is a 8-bed, 4-bath, 3,396 sqft multi-family home built in 1900.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of Howard Hanna

Based on information from one of the following Multiple Listing Services: WNYREIS and Greater Binghamton Association of REALTORS. Information being provided is for the visitor's personal, noncommercial use and may not be used for any purpose other than to identify prospective properties visitor may be interested in purchasing. The data contained herein is copyrighted by WNYREIS and Greater Binghamton Association of REALTORS is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited. Property information referenced on this web site comes from the Internet Data Exchange (IDX) program of the MLS. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. For the avoidance of doubt, the accuracy of all information, regardless of source, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals.