CCertihomes
10 Jefferson Avenue, Oneonta, NY 13820

$199,900

3 beds 2 baths 1,800 sqft Built 192435 days on marketActive

About this home

Charming West End Ranch Welcome to this well-loved 3-bedroom, 1.5 bath ranch home located in Oneonta’s desirable West End. Set on a spacious and level lot, this property offers unbeatable convenience—just a short walk to the elementary school, town park, pool, local restaurants, and essential services. Originally a cozy 1-bed, 1-bath bungalow, the home was thoughtfully expanded in 1968 with a two-story addition that includes: 2 bedrooms and a half bath; a breakfast room and pantry; and a knotty-pine family room featuring a wood-burning fireplace and woodstove hookup. With great bones and preserved charm, this home is ready for some TLC to shine once again. A few valuable upgrades already in place are: some replacement windows; blown-in insulation, a newer boiler and baseboards. A portion of the roof has been replaced. You can’t overlook the oversized detached 2-car garage complete with workshop space and additional storage for tools or gear. Whether you're a first-time buyer, downsizing, or looking for a project with strong resale potential, this home offers exceptional value in a fantastic location. Don’t miss the opportunity to make it your own.

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
$2,592/mo

Real estate (PITI + HOA + PMI)
$1,917
Principal + interest$1,283
Property tax + insurance$559
PMI / 2nd mortgage$75
Utilities
$1,317
Heating + cooling$509
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,592/mo TLC
Budget$5,000/mo
Remaining after TLC$2,408/mo
Purchase price
$199,900
Down payment
$9,995 (5%)
Loan amount
$189,905
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Bungalow, RaisedRanch
Year built
1924
Lot size
0.3 ac
Stories
2
Heating
Oil, Baseboard, HotWater
Cooling
WindowUnits
Water
Connected, Public
HOA
Annual tax
$3,663
MLS #
R1616642
County
Otsego

At a glance

Air conditioning
Fireplace
Basement
Garage (2)

Home features

Appliances
DryerDishwasherGasOvenGasRangeMicrowavePropaneWaterHeaterRefrigeratorWasher
Interior
BreakfastAreaSeparateFormalLivingRoomCountryKitchenNaturalWoodworkWindowTreatmentsBedroomOnMainLevel
Exterior
DirtDrivewayGravelDrivewayPropaneTankLeased
Parking
DetachedElectricityGarageStorageWorkshopInGarageGarageDoorOpener
Pool
Community
Flooring
Carpet, CeramicTile, Laminate, Varies, Vinyl
Roof
Asphalt, Shingle
Sewer
Connected

Lot features

NearPublicTransit, 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

Open in Google Maps →

Listing information last refreshed 6/26/2025. Provided courtesy of Keller Williams Upstate NY Properties via Buffalo MLS. Information deemed reliable but not guaranteed.