Historic, Finished Basement, Victorian, Stone Construction, Character Home
1890 Hawley Victorian on a Corner Lot, Stone Foundation, Covered Porch — $109,900
6
out of 10
HousesUnder150K Score
Property Merit 50% · Condition 25% · Price/Sq Ft 15% · Market 10%
| Category | Wt. | Score | Detail |
|---|---|---|---|
| Property Merit | 50% | 7 | 1890 build, exposed beams, stone foundation, covered porch, corner lot, walk-in closet |
| Condition | 25% | 5 | "Personal touches" and "renovator" language signals cosmetic-to-moderate work needed; no system dates |
| Price / Sq Ft | 15% | 8 | Listing $102/sqft vs zip median $137/sqft — 26% below; 7 comps, directional signal |
| Price vs. Market | 5% | 10 | $109,900 vs $363,843 zip median — 70% below; zip likely skewed by lake/acreage sales |
| Market Conditions | 5% | 6 | 36.3% price drops is strong buyer signal; DOM 33, sale-to-list 97.8% — mild buyer advantage |
The price is the first thing worth sitting with. The zip median is $363,843, which is heavily pulled up by lake properties and acreage sales in the area. Even accounting for that skew, $109,900 for a 135-year-old house on a corner lot in Hawley is a low number. At $102 per square foot, it comes in 26% below the zip's median price per square foot. That gap is telling you something.
What you get for it is a two-story, 1080-square-foot Victorian built in 1890, sitting on a corner lot with mature landscaping and a covered front porch that runs along the front of the house. The porch is real. Wide enough for furniture, the kind of thing that takes years to grow into a neighborhood.
Inside, the layout is straightforward. Main floor has a formal dining area, a central living room, an eat-in kitchen with cabinets and a full appliance lineup, a full bath, and a dedicated laundry room with its own side entrance. Upstairs, three bedrooms branch off a wide hall, along with a second full bath. The primary bedroom has a walk-in closet, which is unusual for a house this age and this size. Exposed beams in the upper level are the most visible piece of the 1890 construction that survived. The basement runs the full footprint, stone foundation walls intact, mechanicals already in place.
Here is the honest part: the agent used phrases like "personal touches" and "your own design vision," which is how listings signal that the place needs work. No system dates are listed. You do not know how old the roof, the electrical, or the heat is. Budget for unknowns before you budget for finishes.
What this price makes possible is straightforward. A three-bedroom Victorian with a porch, a walk-in closet, exposed beams, a stone foundation basement, and a corner lot for under $110,000 is a house you can grow into, rent out, or slowly make your own without a budget that assumes everything goes right from the start.
