CCertihomes
35 S Belmont Circle, Oneonta, NY 13820

$175,000

2 beds 1 baths 1,177 sqft Built 194012 days on marketActive

About this home

Welcome to this delightful 2-bedroom, 1-bath bungalow-style home, tucked away on a peaceful street that offers both charm and tranquility in the heart of ONEONTA. Step inside to find a cozy layout filled with natural light, warm hardwood floors, and updates throughout. The inviting living space flows seamlessly into a bright kitchen, perfect for everyday living or entertaining. Downstairs, the partially finished basement is brimming with potential—ideal for creating a space of your own. With room to expand, this space could multiply the living area and bring your vision to life. Outside, enjoy a manageable yard with room for gardening or relaxing in the fresh air. Whether you're a first-time buyer, downsizing, or looking for a smart investment, this gem offers comfort, value, and opportunity—all in one neat package. Don't miss your chance to make this charming home your own! Please note that basement photos are artificially staged.

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
$2,212/mo

Real estate (PITI + HOA + PMI)
$1,697
Principal + interest$1,123
Property tax + insurance$508
PMI / 2nd mortgage$66
Utilities
$979
Heating + cooling$340
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,212/mo TLC
Budget$5,000/mo
Remaining after TLC$2,788/mo
Purchase price
$175,000
Down payment
$8,750 (5%)
Loan amount
$166,250
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Bungalow
Year built
1940
Lot size
0.11 ac
Stories
1
Heating
Oil, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$3,621
MLS #
R1599505
County
Otsego

At a glance

Basement
Garage (1)

Home features

Appliances
DryerDishwasherElectricOvenElectricRangeGasWaterHeaterMicrowaveRefrigeratorSeeRemarksWasher
Interior
EatInKitchenQuartzCountersSlidingGlassDoorsWalkInPantryWindowTreatmentsBedroomOnMainLevel
Exterior
BlacktopDrivewayDeck
Parking
AttachedGarage
Flooring
Hardwood, Varies, Vinyl
Roof
Asphalt, Shingle
Sewer
Connected

Lot features

Rectangular, RectangularLot, 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

Open in Google Maps →

Listing information last refreshed 5/5/2025. Provided courtesy of Keller Williams Upstate NY Properties via Buffalo MLS. Information deemed reliable but not guaranteed.