CCertihomes
128 Chestnut Street, Oneonta, NY 13820

$99,000

0 beds 0 baths 420 sqft Built 19002 days on marketActive

About this home

Got the vision? This space has the visibility! Make your mark in Oneonta with this 420 sq ft commercial storefront at 128 Chestnut Street—perfect for launching your first business or taking your side hustle out of the house and into the spotlight. This high-visibility location offers steady foot and vehicle traffic, and the building comes equipped with electric, water, and gas hookups, plus a few off-street parking spots for added ease. Don’t let the small size fool you—this space is loaded with potential. From nail art studios and boba tea bars to tattoo design, micro-offices, or niche retail shops—if you can dream it, you can do it here. Ready to turn your idea into income? Call today to schedule your showing.

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
$1,197/mo

Real estate (PITI + HOA + PMI)
$857
Principal + interest$635
Property tax + insurance$185
PMI / 2nd mortgage$37
Utilities
$571
Heating + cooling$136
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$1,197/mo TLC
Budget$5,000/mo
Remaining after TLC$3,803/mo
Purchase price
$99,000
Down payment
$4,950 (5%)
Loan amount
$94,050
APR
7.15%

Quick facts

Type
COM
Style
Year built
1900
Lot size
0.11 ac
Stories
1
Heating
Electric, Gas, Baseboard
Cooling
Water
Public
HOA
Annual tax
$950
MLS #
R1617989
County
Otsego

Home features

Roof
Shingle
Sewer
PublicSewer

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 6/28/2025. Provided courtesy of Keller Williams Upstate NY Properties via Buffalo MLS. Information deemed reliable but not guaranteed.