CCertihomes
3294 State Highway 28, Milford, NY 13807

$439,000

4 beds 2 baths 2,238 sqft Built 19550 days on marketActive

About this home

Turn-key 2-family property just 8 minutes to Cooperstown and 18 minutes to Oneonta! This well-maintained home is a proven income producer, generating strong seasonal revenue from baseball rentals and offering excellent potential as a short-term rental year-round. With separate units, updated systems, and plenty of space, it’s also a fantastic option for owner-occupants looking to offset their mortgage with rental income. Enjoy beautiful views from the deck, a private pool, and easy access to area attractions, shops, and restaurants. A rare opportunity in a high-demand location!

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
$4,634/mo

Real estate (PITI + HOA + PMI)
$3,942
Principal + interest$2,817
Property tax + insurance$960
PMI / 2nd mortgage$165
Utilities
$1,537
Heating + cooling$622
Internet + TV + phone$127
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$127
$4,634/mo TLC
Budget$5,134/mo
Remaining after TLC$500/mo
Purchase price
$439,000
Down payment
$21,950 (5%)
Loan amount
$417,050
APR
7.15%

Quick facts

Type
MultiFamily
Style
Year built
1955
Lot size
4.42 ac
Stories
1
Heating
Electric, Propane, Other, SeeRemarks
Cooling
Other, SeeRemarks
Water
Well
HOA
Annual tax
$5,692
MLS #
R1619147
County
Otsego

At a glance

Fireplace
Basement
Garage (2)

Home features

Appliances
SeeRemarksWaterHeater
Parking
GarageParkingAvailableUnpaved
Flooring
Hardwood, Varies, Vinyl
Sewer
SepticTank

Lot features

IrregularLot, Other, SeeRemarks

Neighborhood — 13807

MetricThis ZIPCountyUSA
Population1,78519,351,094299,088,112
Population Change Since19900.00%8.00%20.00%
Population Density66395
Male8639,381,926147,432,321
Female9239,969,168151,655,844
Never Married3204,946,39163,775,926
Married8637,166,701123,120,365
Separated541,159,67312,639,686
Widowed1381,110,24515,467,586
Divorced1431,210,44823,075,029
Number Of House Hold6987,102,016111,826,380
Average House Hold Size2.542.642.60
Medial Age41.6636.5335.46
Median House Hold Income$37,928$49,847$48,276
Average House Hold Income$45,955$70,032$63,629
P C I$18,056$26,569$24,529
M D I$33,423$42,210$41,133
A T H E$41,396$54,185$50,898
S T R8.00%4.00%
W C J80.53%81.55%77.74%
(Zip) Code
13807

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

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Listing information last refreshed 7/2/2025. Provided courtesy of Keller Williams Upstate NY Properties via Buffalo MLS. Information deemed reliable but not guaranteed.