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$199,000

Listing Price

3beds

2baths

1,008sqft

6,500sqft lot

421 Spruce St, Utica, NY 13502

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  • Full foreclosure details

  • Home value, equity and ownership info

  • Find homes priced below market

  • Get full access with a FREE Account

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For Sale

Single Family

Home type

173.62

Price / sqft

1950

Year built

Home Details

Welcome to 421 Spruce St, Utica, NY!?Nestled in a quiet, friendly neighborhood just minutes from SUNY Poly and Downtown Utica, this delightful 3-bedroom, 1.25-bath home offers the perfect blend of comfort, charm, and convenience. Step inside and admire the hardwood floors that run throughout the spacious living and dining areas, as well as the first floor bedroom, creating a warm and inviting atmosphere. The kitchen offers space for the chef and guest to gather with plenty of counter space and cupboards. The first floor is rounded out with a 1/4 bath.nnOff the dining area is heated sunroom, a standout feature, ideal for enjoying your morning coffee, curling up with a book, or simply soaking in the natural light year-round. The full dry basement provides ample storage space or potential for a future rec room or workshop. Youll also love the attached 1-car garage, offering easy access and additional convenience, especially during those snowy Upstate winters. The driveway was recently widened to allow for additional vehicles.nnOutside, the large, fully fenced yard provides a safe and secure space for pets, and gardening enthusiasts alike-perfect for hosting gatherings or simply enjoying the outdoors. This homes prime location ensures youre close to everything Utica has to offer, from schools and parks to shopping and dining.nnWhether youre a first-time buyer or looking for a well-maintained, move-in ready home with classic appeal, 421 Spruce St is a must-see. Dont miss your chan

Interior Details

Square Feet
  • 1008

Bedrooms
  • 3

Bathrooms
  • 2

Heating
  • Has Heating:

    Yes

  • Heating Type:

    Forced Air With Air Conditioning

Cooling
  • Has Cooling:

    No

  • Cooling Type:

    N/A

Fuel
  • Has Fuel:

    Yes

  • Fuel Type:

    Gas

Basement
  • Has Basement:

    No

  • Basement Type:

    Full

Flooring
  • Has Flooring:

    No

  • Flooring Type:

    N/A

Fireplace
  • Has Fireplace:

    Yes

  • Fireplace Type:

    N/A

Property Details

Lot Size
  • 6500

Water
  • Yes

Sewer
  • Yes

Parking
  • Type:

    Garage, Attached

  • Location:

    N/A

  • Status:

    N/A

  • Number of Spaces:

    1

Deck
  • N/A

Patio
  • N/A

Fence
  • N/A

Pool
  • N/A

Porch
  • N/A

Stoop
  • N/A

Breezeway
  • N/A

Construction Details

Number of Stories
  • 1

Style
  • Cape Cod

Exterior
  • Aluminum/vinyl

Foundation
  • N/A

Roof
  • N/A

Roofing Material
  • N/A

Tax History

Year

Amount

Land

Improvement

Percent Change

Assessment

2020

$1,859

$12,100

$34,900

--%

$47,000

2018

$1,865

$12,100

$34,900

--%

$47,000

2017

$1,824

$12,100

$34,900

--%

$47,000

2016

$2,497

$12,100

$34,900

--%

$47,000

2015

$1,795

$12,100

$34,900

--%

$47,000

2013

$1,289

$12,100

$34,900

--%

$47,000

2011

$1,752

$12,100

$34,900

--%

$47,000

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Average Home Price in 13502

Nearby Properties

Zip Code

Price

Bed

Bath

Sqft

Lot

Sold Date

$256,499

3 Beds

1 Baths

912 Sqft

12,000 Lot (sqft)

Sold 08/27/2026

$215,499

2 Beds

1 Baths

1,074 Sqft

9,000 Lot (sqft)

Sold 07/30/2026

$200,337

3 Beds

1 Baths

975 Sqft

7,000 Lot (sqft)

Sold 07/30/2026

$82,424

3 Beds

1 Baths

864 Sqft

10,640 Lot (sqft)

Sold 07/01/2026

$218,761

3 Beds

1 Baths

1,146 Sqft

6,360 Lot (sqft)

Sold 10/06/2026

$229,900

2 Beds

2 Baths

1,104 Sqft

14,880 Lot (sqft)

Sold 09/29/2026

$240,000

3 Beds

1 Baths

912 Sqft

11,040 Lot (sqft)

Sold 10/05/2026

$219,900

3 Beds

1 Baths

912 Sqft

10,150 Lot (sqft)

Sold 08/06/2026

$199,000

3 Beds

2 Baths

1,008 Sqft

6,500 Lot (sqft)

Sold 09/29/2026

percent-home-icon

Calculators

Mortgage

Mortgage Calculator

Calculate your monthly mortgage payments.
Household Income
70,000
$
Home price
199,000
$
Down payment
39,800
$
Mortgage Rate
6.5
%
Loan Term
Property Tax Rate
1.1
%
Homeowner's Insurance (Annual)
1,194
$
HOA (Monthly)
0
$
PMI
0
$
$1,288
Your Payment
Total Monthly Payment:$1,288
Percent of Income:22%
Affordable:Yes

Details for 421 SPRUCE ST

Property Debt

Foreclosure Contact Details