CCertihomes
432 Main Street, Oneonta, NY 13826

$289,900

0 beds 0 baths 2,837 sqft Built 188350 days on marketActive

About this home

Excellent business opportunity location! Long-time multi-physician practice on first floor and Mixed Use 2 Zoning category allows for short-term occupancy as well. Separate 2nd floor two bedroom unit. This property is on the market for the first time in decades! location is second to none- one block from AO Memorial Hospital, with a double lot which includes entrance from Main Street and exit onto Fifth Street- excellent drive-through potential. The building and second lot are located in the coveted MU2 "Mixed Use 2" Zone, giving you options for both first and second floors! First floor office features large secretarial area, substantial lobby, exam rooms, and a variety of offices, including executive office with full bath. Attic has two finished rooms and a third unfinished area- terrific future potential for long-term investors willing to create finished space/ accessibility! Rear of parcel adjoins Fox Hospital private parking lot. Location, Location, Location!

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
$3,960/mo

Real estate (PITI + HOA + PMI)
$3,138
Principal + interest$1,860
Property tax + insurance$1,169
PMI / 2nd mortgage$109
Utilities
$1,682
Heating + cooling$693
Internet + TV + phone$130
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$130
$3,960/mo TLC
Budget$5,000/mo
Remaining after TLC$1,040/mo
Purchase price
$289,900
Down payment
$14,495 (5%)
Loan amount
$275,405
APR
7.15%

Quick facts

Type
Business
Style
Year built
1883
Lot size
0.4 ac
Stories
2
Heating
Electric, Gas, ForcedAir
Cooling
CentralAir
Water
Public
HOA
Annual tax
$9,487
MLS #
R1613069
County
Otsego

At a glance

Air conditioning
Basement

Home features

Parking
OnSite
Flooring
Carpet, Other, SeeRemarks
Roof
Shingle
Sewer
PublicSewer

Lot features

IrregularLot

Neighborhood — 13826

MetricThis ZIPCountyUSA
Population1,17419,351,094299,088,112
Population Change Since19902.00%8.00%20.00%
Population Density350395
Male5999,381,926147,432,321
Female5759,969,168151,655,844
Never Married2484,946,39163,775,926
Married5567,166,701123,120,365
Separated231,159,67312,639,686
Widowed571,110,24515,467,586
Divorced531,210,44823,075,029
Number Of House Hold4117,102,016111,826,380
Average House Hold Size2.852.642.60
Medial Age39.2536.5335.46
Median House Hold Income$38,082$49,847$48,276
Average House Hold Income$46,467$70,032$63,629
P C I$16,352$26,569$24,529
M D I$33,428$42,210$41,133
A T H E$41,691$54,185$50,898
S T R8.00%4.00%
W C J61.11%81.55%77.74%
(Zip) Code
13826

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.