CCertihomes
13 Raymond Avenue, Oneonta-Town, NY 13820

$164,000

3 beds 1 baths 1,152 sqft Built 194827 days on marketActive

About this home

Discover this charming Cape Cod nestled in a lovely neighborhood in the Town of Oneonta. This cozy home offers 3 bedrooms and 1 bath, complemented by a covered back patio and a screened-in porch connected to a one-car detached garage. Enjoy the convenience of being within walking distance to West End Oneonta’s eateries, the Town pool, tennis courts, and the Elementary School. With a touch of TLC, this delightful house has the potential to become a truly wonderful home!

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.15% APR.

Your estimated payment
$2,120/mo

Real estate (PITI + HOA + PMI)
$1,608
Principal + interest$1,052
Property tax + insurance$494
PMI / 2nd mortgage$62
Utilities
$965
Heating + cooling$333
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,120/mo TLC
Budget$5,000/mo
Remaining after TLC$2,880/mo
Purchase price
$164,000
Down payment
$8,200 (5%)
Loan amount
$155,800
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Cape Cod
Year built
1948
Lot size
0.17 ac
Stories
0
Heating
Oil, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$3,586
MLS #
R1561806
County
Otsego

At a glance

Basement
Garage (1)

Home features

Appliances
DryerElectricOvenElectricRangeElectricWaterHeaterRefrigeratorWasher
Interior
LivingDiningRoomBedroomOnMainLevel
Exterior
BlacktopDrivewayPatio
Parking
DetachedGarage
Flooring
Hardwood, Varies, Vinyl
Sewer
Connected

Lot features

NearPublicTransit, ResidentialLot

Neighborhood — 13820

MetricThis ZIPCountyUSA
Population21,50219,351,094299,088,112
Population Change Since1990-3.00%8.00%20.00%
Population Density222395
Male10,0039,381,926147,432,321
Female11,4999,969,168151,655,844
Never Married6,6924,946,39163,775,926
Married6,2407,166,701123,120,365
Separated3,4471,159,67312,639,686
Widowed1,2781,110,24515,467,586
Divorced1,3731,210,44823,075,029
Number Of House Hold6,7867,102,016111,826,380
Average House Hold Size2.412.642.60
Medial Age27.7936.5335.46
Median House Hold Income$32,937$49,847$48,276
Average House Hold Income$44,031$70,032$63,629
P C I$15,440$26,569$24,529
M D I$29,234$42,210$41,133
A T H E$40,137$54,185$50,898
S T R8.00%4.00%
W C J81.17%81.55%77.74%
(Zip) Code
13820

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

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Listing information last refreshed 8/28/2024. Provided courtesy of Benson Agency Real Estate LLC via Buffalo MLS. Information deemed reliable but not guaranteed.