CCertihomes
432 Main Street, Oneonta, NY 13820

$289,900

6 beds 3 baths 2,837 sqft Built 188350 days on marketActive

About this home

Ideal center-city location with highly sought after Mixed Use-2 Zoning, allowing for short term occupancy. First floor includes living room, kitchen, 4 bedrooms, and 1+1/2 baths. The second floor has living room, kitchen, two bedrooms, and full bathroom. Could be ideal owner-occupied with all one level living, and providing income from short or long-term rentals on the second floor. Or lease entire building long or short term- many options at this highly visible corner lot with plenty of parking!

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
$4,033/mo

Real estate (PITI + HOA + PMI)
$3,138
Principal + interest$1,860
Property tax + insurance$1,169
PMI / 2nd mortgage$109
Utilities
$1,825
Heating + cooling$763
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$4,033/mo TLC
Budget$5,000/mo
Remaining after TLC$967/mo
Purchase price
$289,900
Down payment
$14,495 (5%)
Loan amount
$275,405
APR
7.15%

Quick facts

Type
MixedUse
Style
Other, SeeRemarks, Duplex
Year built
1883
Lot size
0.4 ac
Stories
2
Heating
Electric, Gas, Baseboard, ForcedAir
Cooling
CentralAir
Water
Connected, Public
HOA
Annual tax
$9,487
MLS #
R1613072
County
Otsego

At a glance

Air conditioning
Fireplace
Basement

Home features

Appliances
ElectricWaterHeaterGasWaterHeater
Parking
CommonOtherPavedSeeRemarks
Flooring
Carpet, Varies
Roof
Shingle
Sewer
Connected

Lot features

CornerLot, IrregularLot

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 6/7/2025. Provided courtesy of Benson Agency Real Estate LLC via Buffalo MLS. Information deemed reliable but not guaranteed.