CCertihomes
18 Rose Avenue, Oneonta, NY 13820

$139,000

4 beds 3 baths 2,176 sqft Built 192080 days on marketActive

About this home

3-Apartments with separate utilities! East end of town. Are you looking to get into the rental market? This is a great entry level property. 2 BR unit encompasses the entire Left half of the house, this would be great for an owner occupied unit. On the other half of the house is a 1-BR unit upstairs and a 1-BR unit downstairs. All separate utilities. LL pays Garbage, water & sewer. Two occupied apartments, a 1-BR is unoccupied and in need of renovation. Both occupied apartments are month to month. 2-Br unit has a gas hot air furnace and both 1-BR units have in unit gas space heaters. There are 2 driveways, one on each side of the house.

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
$2,330/mo

Real estate (PITI + HOA + PMI)
$1,535
Principal + interest$892
Property tax + insurance$591
PMI / 2nd mortgage$52
Utilities
$1,511
Heating + cooling$606
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,330/mo TLC
Budget$5,000/mo
Remaining after TLC$2,670/mo
Purchase price
$139,000
Down payment
$6,950 (5%)
Loan amount
$132,050
APR
7.15%

Quick facts

Type
MultiFamily
Style
Triplex
Year built
1920
Lot size
0.11 ac
Stories
2
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$4,496
MLS #
R1611742
County
Otsego

At a glance

Basement

Home features

Appliances
GasWaterHeater
Parking
TwoOrMoreSpaces
Flooring
Hardwood, Varies, Vinyl
Roof
Asphalt
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 EXIT Realty Homeward Bound via Buffalo MLS. Information deemed reliable but not guaranteed.