CCertihomes
503 Main Street, Oneonta, NY 13820

$230,000

4 beds 2 baths 1,832 sqft Built 190044 days on marketActive

About this home

Conveniently located on Main Street in Oneonta, this fully renovated home offers easy access to restaurants, shopping, and local parks. Inside, you’ll find an updated kitchen with brand-new appliances & plenty of cabinet space, a formal dining room filled with natural light, and a generously sized living room perfect for relaxing or entertaining. The first floor also includes a versatile bedroom, a bonus room ideal for a home office or gym, and a full bathroom. Fresh paint and new flooring throughout give the entire home a clean, modern feel. Upstairs, enjoy a spacious family room, three additional bedrooms, and another full bathroom with built-in storage. All major systems, including electric and mechanicals, have been updated for peace of mind. The lot offers plenty of outdoor space, with room to create your dream patio, garden, or outdoor retreat.

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
$3,049/mo

Real estate (PITI + HOA + PMI)
$2,378
Principal + interest$1,476
Property tax + insurance$816
PMI / 2nd mortgage$86
Utilities
$1,331
Heating + cooling$516
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$3,049/mo TLC
Budget$5,000/mo
Remaining after TLC$1,951/mo
Purchase price
$230,000
Down payment
$11,500 (5%)
Loan amount
$218,500
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
HistoricAntique, TwoStory
Year built
1900
Lot size
0.26 ac
Stories
2
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$6,407
MLS #
R1619174
County
Otsego

At a glance

Basement

Home features

Appliances
DishwasherElectricOvenElectricRangeElectricWaterHeaterMicrowaveRefrigerator
Interior
SeparateFormalDiningRoomEatInKitchenMainLevelPrimary
Exterior
DirtDrivewayGravelDriveway
Parking
NoGarage
Flooring
Carpet, Laminate, Varies
Roof
Flat
Sewer
Connected

Lot features

Rectangular, RectangularLot

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 7/1/2025. Provided courtesy of Keller Williams Upstate NY Properties via Buffalo MLS. Information deemed reliable but not guaranteed.