1900 Hermon Village Home, 4 Bedrooms, Low Taxes — $109,000

Four bedrooms for $109,000 in a 1900-built village house. That math is worth paying attention to before anything else.

The house sits on Main Street in Hermon, New York, which means walkable access to the post office, library, and park. The layout puts a lot on the main floor: living area, full bath, laundry, storage room, and a room the current owners use as a bedroom but could work as an office or family room depending on how you live. Three more bedrooms are upstairs, along with a second bathroom with a stall shower. For a 1,467-square-foot house, that's a functional floor plan.

The sellers put in new LVP flooring in the main floor living area and added new stainless appliances in the kitchen. Those are small updates, but they matter when you're buying at this price point.

Out back there's an enclosed porch that's being used for storage right now. It reads more as unrealized space than a finished room, but it has potential as a mudroom or somewhere to sit in the warmer months. The front porch is a straight-up front porch. Nothing complicated about it.

The house is 125 years old, so you'd want to go in clear-eyed about what that means structurally and mechanically. The agent description does not mention roof, heat source, windows, or any major systems work, which are the questions to ask before anything else. What's here is a big old house in a small northern New York town with low property taxes, a workable layout, and some surface updates already done. At $109,000 for four bedrooms, the ceiling on the price is low and the room to make it your own is high.

If you want something move-in without much thought, this probably requires more attention than that. If you want an old village house with room to work on it over time, this is worth a look.