CCertihomes
4377 State Highway 7, Oneonta, NY 13820

$369,000

4 beds 2 baths 1,998 sqft Built 183041 days on marketActive

About this home

Charming 4-Bedroom Farmhouse on 2+ Acres with a Barn & Versatile Outbuilding – Prime Location! Welcome to your countryside escape with all the convenience of town living! This classic 4-bedroom, 2-bath farmhouse sits on just over 2 acres, offering easy access to local shops, schools, and amenities—making it the perfect blend of rural charm and modern convenience. Inside, you'll find spacious, sun-filled rooms, gorgeous original wide pine floors in the bedrooms, a pellet stove, a warm and inviting kitchen, and generous living areas full of character. There is a bedroom with an ensuite bathroom which is great for main floor living. The property includes a large barn—ideal for animals, equipment, or creative projects—and an additional outbuilding just waiting for your imagination. A newly installed fence for your furry friends right off the back porch makes life easy. This property offers endless potential in a highly accessible location. Don't miss this rare combination of land, charm, and proximity to everything you need! Updates: completely insulated attic for heat retention, wood stove, pet fencing, upgraded electric to 200 amp.

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
$4,054/mo

Real estate (PITI + HOA + PMI)
$3,394
Principal + interest$2,368
Property tax + insurance$888
PMI / 2nd mortgage$138
Utilities
$1,413
Heating + cooling$557
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$4,054/mo TLC
Budget$5,000/mo
Remaining after TLC$946/mo
Purchase price
$369,000
Down payment
$18,450 (5%)
Loan amount
$350,550
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Farmhouse
Year built
1830
Lot size
2.1 ac
Stories
2
Heating
Oil, Baseboard
Cooling
Water
Connected, Public
HOA
Annual tax
$5,695
MLS #
R1617261
County
Otsego

At a glance

Fireplace
Basement
Garage (6)

Home features

Appliances
DryerExhaustFanElectricOvenElectricRangeOilWaterHeaterRefrigeratorRangeHoodWasher
Interior
EatInKitchenSeparateFormalLivingRoomBedroomOnMainLevel
Exterior
BlacktopDrivewayEnclosedPorchFencePorchPrivateYardSeeRemarks
Parking
AttachedDetachedElectricityGarage
Flooring
Carpet, Hardwood, Tile, Varies
Roof
Shingle
Sewer
Connected

Lot features

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 6/25/2025. Provided courtesy of Benson Agency Real Estate LLC via Buffalo MLS. Information deemed reliable but not guaranteed.