CCertihomes
1 Rose Avenue, Oneonta, NY 13820

$159,900

5 beds 3 baths 1,920 sqft Built 190044 days on marketActive

About this home

Take advantage of this affordable money making 3 UNIT INVESTMENT property in the city of Oneonta. There is one 3 bedroom apartment with an eat-in kitchen, living room, dining room and a full bath. There are two one bedroom apartments with some new flooring, open floor plan and access to an enclosed porch overlooking a soothing babbling brook. Each apartment has separate electric meters and two forced air furnaces. The 3 bedroom apt pays their own heat and electric. Heat and hot water are included in the rent for apt 1 and 2. Yearly income $24, 960/year. Expenses are low $7778 per year (taxes, insurance, utilities, garbage removal and water). Certificate of Compliance provided by closing. Off street parking for about 4 cars, plus street parking. Close to bus route, hospital and downtown. Schedule your showing today!

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
$2,326/mo

Real estate (PITI + HOA + PMI)
$1,608
Principal + interest$1,026
Property tax + insurance$522
PMI / 2nd mortgage$60
Utilities
$1,373
Heating + cooling$537
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,326/mo TLC
Budget$5,000/mo
Remaining after TLC$2,674/mo
Purchase price
$159,900
Down payment
$7,995 (5%)
Loan amount
$151,905
APR
7.15%

Quick facts

Type
MultiFamily
Style
Triplex
Year built
1900
Lot size
0.06 ac
Stories
2
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$3,582
MLS #
R1611640
County
Otsego

At a glance

Basement

Home features

Appliances
GasWaterHeater
Parking
ParkingAvailable
Flooring
Carpet, Hardwood, Laminate, Varies, Vinyl
Roof
Membrane, Rubber
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

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Listing information last refreshed 6/2/2025. Provided courtesy of Oneonta Realty, LLC via Buffalo MLS. Information deemed reliable but not guaranteed.