540 Niagara St

Utica, NY 13501

$149,900
Price
4
Beds
1,268 Sq. Ft.
$118 / Sq. Ft.
1,268
Sq. Ft.
$118
per Sq. Ft.

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...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. Listed by Joseph C. Pantola Jr. • Coldwell Banker Faith Properties
    P: (315)-735-2222 C: (315)-725-6580 jpantola@gmail.com

Property Details for 540 Niagara Street

Styles Of Residence
Two Story
On Waterfront
No
Parking Description
No Garage, Driveway
Nearest Cross Street
Mary St
LISTING UPDATED: 12/08/2025 06:02 PM

Property Details for 540 Niagara Street

StatusActive
MLS #S1653680
Days on Market76
Taxes$1,954 / year
HOA Fees-
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built1940
Lot Size0.05 AC / 2,088 SF
CountyOneida County

Location

Listing Courtesy of Coldwell Banker Faith Properties
Add your commute

Building Information for 540 Niagara Street

Stories2Year Built1940Building Size-Lot Size0.05 AC / 2,088 SF

Payment Calculator

$893 per month

30 year fixed, 6.15% Interest

Principal and Interest

$731

Property Taxes

$163

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

Property Information for 540 Niagara Street

Summary
Location and General Information
  • Elementary School District: Utica
  • High School District: Utica
  • Middle Or Junior School District: Utica
  • Village: Not Applicable
  • Human YN: No
Parking
  • Garage Spaces per Apt: .00
  • Garage YN: No
Taxes and HOA Information
  • Area NYSWIS Code: Utica-City-301600
  • Tax Annual Amount: $1,954.00
Property
Lot Information
  • Building Area Total: 1268.0
  • Land Features: Corner Lot, Rectangular, Rectangular Lot
  • Num Of Acres: 0.0479
  • Lot Size Area: 0.0479
  • Lot Size Square Feet: 2088.0
  • Lot Size Units: Acres
  • Parcel Number: 301600-319-072-0001-024-000-0000
  • Lot Number: 24
Property and Assessments
  • Property Condition: Resale
  • Senior Community YN: No
  • Assessed Value: $29,400
  • Year Built: 1940
  • Year Built Description: Existing
Utilities
  • Electric Service: Circuit Breakers
  • 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: Spray Foam Insulation, Vinyl Siding, Copper Plumbing, Pex Plumbing
  • Exterior Features: Blacktop Driveway
  • Foundation Description: Block
  • Other Structures: Sheds, Storage
  • Patio And Porch Features: Open, Porch
  • Roof Description: Asphalt
Interior Features
  • Appliances: Dryer, Gas Water Heater, Refrigerator, Washer
  • Basement Description: Full, Sump Pump
  • Basement YN: Yes
  • Num Of Possible Bedrooms: 4
  • Num Fireplaces Total Calculated: 0
  • Fireplace YN: No
  • Floor Description: Carpet, Hardwood, Varies
  • Heating: Gas, Forced Air
  • Heating YN: Yes
  • Interior Features: Eat In Kitchen, Separate Formal Living Room, Skylights, Bedroom On Main Level
  • Laundry Features: Main Level
  • Levels: Two
  • Sq Ft Total: 1268.0
  • Main Level Bathrooms: 1
  • Num Bedrooms 1 St Floor: 1
  • Num Of Rooms: 7
  • Window Features: Skylights
Room 1
  • Room Dimensions: 12.00 x 18.00
  • Room Length: 12.0
  • Room Level: First
  • Room Type: Living Room
  • Room Width: 18.0
Room 2
  • Room Dimensions: 12.00 x 11.00
  • Room Length: 12.0
  • Room Level: First
  • Room Type: Kitchen
  • Room Width: 11.0
Room 3
  • Room Dimensions: 20.00 x 20.00
  • Room Length: 20.0
  • Room Level: Basement
  • Room Type: Basement
  • Room Width: 20.0
Room 4
  • Room Dimensions: 11.00 x 9.00
  • Room Length: 11.0
  • Room Level: Second
  • Room Type: Bedroom4
  • Room Width: 9.0
Room 5
  • Room Dimensions: 11.00 x 11.00
  • Room Length: 11.0
  • Room Level: Second
  • Room Type: Bedroom3
  • Room Width: 11.0
Multi Family
Multi-Family Information
  • Number Of Units Total: 0
  • Stories: 2
  • Stories Total: 2

Property History for 540 Niagara Street

DateEvent & SourcePriceAppreciation
Dec 8, 2025

Listed (Active)

WNYREIS #S1653680

$149,900—
DateEvent & SourcePrice
12/08/2025

Listed (Active)

WNYREIS #S1653680

$149,900

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

Public Records for 540 Niagara Street

Taxable ValueLand$800Additions-Total$800
Tax Record2024$11 ($1 / month)
Home Facts
Beds0Lot Size4,440 SqFtStyleResidentialCountyONEIDAAPN301600 319.72-1-23

Schools near 540 Niagara Street

This home is within Utica City School District.
Rating
School
Type
Grades
Distance
Hugh R Jones Elementary School
Public - K to 6
Senator James H Donovan Middle School
Public - 7 to 8
Thomas R Proctor High School
Public - 9 to 12
John F Hughes Elementary School
Public - K to 6
Rating
School
Distance
Hugh R Jones Elementary School
PublicK to 6

Senator James H Donovan Middle School
Public7 to 8

Thomas R Proctor High School
Public9 to 12

John F Hughes Elementary School
PublicK to 6

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.

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More information about 540 Niagara Street, Utica, NY 13501

540 Niagara Street is a single family home for sale in Utica, NY 13501. This property was listed for sale on December 8, 2025 by Coldwell Banker Faith Properties, it's currently listed at $149,900. This listing's school district is Utica City School District. Nearby schools include Hugh R Jones Elementary School, Senator James H Donovan Middle School and Thomas R Proctor High School. 540 Niagara Street is a 4-bed, 1-bath, 1,268 sqft single family home built in 1940.

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 Coldwell Banker Faith Properties

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.