CCertihomes
184 Lower Reservoir Road, Oneonta, NY 13820

$854,900

2 beds 3 baths 2,256 sqft Built 200438 days on marketActive

About this home

Equestrian property within minutes of the City of Oneonta in Upstate NY. Whether you are an elite rider or just a horse/animal enthusiast! This property is incredible! Situated on over 132 acres mix of wooded, open, tillable, and fenced pastures. The 2 bedroom 2 ½ bath living space is connected to the Main Barn: 72 x 36 Morton Built barn: 10 stalls with stone dust and fitted mats, radiant heat on center aisle, hay storage, tack room and hot and cold water. First stall has a removable wall for foaling. An incredible Conestoga 160 x 80 indoor riding ring. Home is of a rustic style design with full amenities: master ensuite - awake to southwest views down the valley, cathedral ceiling, walk in closet, custom bath w/walk in tiled shower with multiple shower heads and claw foot tub with a view to the back yard nature. Flooring and woodwork are reclaimed barn wood. Counters and back splash are black walnut. Exposed beam ceilings. Covered: Ponderosa style partially screened, stamped concrete porch plus open to the sky bluestone rear patio. Incredible views and sunsets. With this acreage and setting there is an abundance of wildlife offering phenomenal hunting. Two additional high-quality outbuildings. Newest barn has room for 2, 12 x 12 isolation stalls, tack, feed, shaving storage, and workshop. 2nd Enclosed pole barn with radiant floor heat ready to be hooked up: washer & dryer hook ups, two large overhead door bay doors the usage is endless! Come SEE 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, 30YrJumbo at 4% APR.

Your estimated payment
$7,257/mo

Real estate (PITI + HOA + PMI)
$6,799
Principal + interest$3,877
Property tax + insurance$2,601
PMI / 2nd mortgage$321
Utilities
$1,375
Heating + cooling$538
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$7,257/mo TLC
Budget$7,757/mo
Remaining after TLC$500/mo
Purchase price
$854,900
Down payment
$42,745 (5%)
Loan amount
$812,155
APR
4%

Quick facts

Type
SingleFamilyResidence
Style
TwoStory
Year built
2004
Lot size
132.8 ac
Stories
2
Heating
Propane, Baseboard, HotWater, Radiant
Cooling
Water
Well
HOA
Annual tax
$20,930
MLS #
R1617132
County
Otsego

At a glance

Garage (4)

Home features

Appliances
DryerDishwasherElectricOvenElectricRangePropaneWaterHeaterRefrigeratorWasherWaterPurifierOwned
Interior
CeilingFansCathedralCeilingsEatInKitchenCountryKitchenStorageNaturalWoodworkBathInPrimaryBedroomWorkshop
Exterior
DirtDrivewayGravelDrivewayPorchPrivateYardSeeRemarksPropaneTankLeased
Parking
DetachedGarageStorageWorkshopInGarage
Flooring
Hardwood, Other, SeeRemarks, Varies
Roof
Metal
Sewer
SepticTank

Lot features

Rectangular, RectangularLot, Secluded, Wooded

Schools

Elementary
Other - See Remarks
High
Oneonta High

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 6/24/2025. Provided courtesy of Keller Williams Upstate NY Properties via Buffalo MLS. Information deemed reliable but not guaranteed.