CCertihomes
437 Main Street, Oneonta, NY 13820

$179,000

0 beds 0 baths 1,398 sqft Built 19790 days on marketActive

About this home

Rare opportunity to own, not rent, a cornerstone property in downtown Oneonta—officially recognized as the “Restaurant Capital of New York.” Formerly home to the beloved Humphreys Gourmet To Go, this high-visibility commercial building is now available for sale, with the option to include the well-established restaurant business, if desired. Strategically located in a vibrant downtown district surrounded by restaurants, shops, and colleges, and just a block away from the area hospital, this property offers excellent drive-by traffic, and a strong local and student customer base. Ideal for restaurateurs, investors, or entrepreneurs looking to own real estate in a high-demand hospitality market. Highlights: * Turn-key restaurant opportunity (business sale optional) * Building includes dining/bar area, kitchen, storage, and more * High foot traffic & central location * Excellent investment potential * Stop renting—**own your building and pay yourself** This is a unique chance to purchase a building with legacy, income potential, and long-term value in one of New York’s most thriving small-city food scenes. Showings by appointment only, during the week ideal.

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
$2,808/mo

Real estate (PITI + HOA + PMI)
$2,236
Principal + interest$1,149
Property tax + insurance$1,020
PMI / 2nd mortgage$67
Utilities
$1,095
Heating + cooling$398
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,808/mo TLC
Budget$5,000/mo
Remaining after TLC$2,192/mo
Purchase price
$179,000
Down payment
$8,950 (5%)
Loan amount
$170,050
APR
7.15%

Quick facts

Type
Business
Style
Year built
1979
Lot size
0.28 ac
Stories
1
Heating
Gas, ForcedAir
Cooling
Water
Public
HOA
Annual tax
$9,626
MLS #
R1617247
County
Otsego

Home features

Roof
Asphalt, Metal, Shingle
Sewer
PublicSewer

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