CCertihomes
7 East Street, Oneonta, NY 13820

$239,000

4 beds 3 baths 1,470 sqft Built 19037 days on marketActive

About this home

PRIME LOCATION IN THE HEART OF ONEONTA! Just steps from Main Street, Oneonta High School, and scenic Wilber Park, this versatile, move-in-ready home offers comfort, convenience, and long-term flexibility — ideal as a primary residence or a smart investment. The layout features a sought-after first-floor primary bedroom with private full bath, perfect for single-level living or aging in place. Also on the main floor: laundry, 10-foot ceilings, spacious living and family rooms, and an eat-in kitchen with a vaulted ceiling, updated cabinetry, tile backsplash, and generous counter space. A second updated full bathroom adds functionality. Upstairs offers three well-sized bedrooms with large closets, a half bath, and a walk-in storage room. Additional highlights include a large front porch, vinyl windows, and off-street parking on the side of the home. This house is offered as fully furnished, ready for a turnkey move-in or rental. This property delivers a rare combination of location, layout, and livability...schedule your viewing today!

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
$2,871/mo

Real estate (PITI + HOA + PMI)
$2,304
Principal + interest$1,534
Property tax + insurance$680
PMI / 2nd mortgage$90
Utilities
$1,131
Heating + cooling$416
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,871/mo TLC
Budget$5,000/mo
Remaining after TLC$2,129/mo
Purchase price
$239,000
Down payment
$11,950 (5%)
Loan amount
$227,050
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
HistoricAntique
Year built
1903
Lot size
0.09 ac
Stories
2
Heating
Oil, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$4,864
MLS #
R1619798
County
Otsego

At a glance

Basement

Home features

Appliances
GasCooktopGasWaterHeater
Interior
EatInKitchenBedroomOnMainLevelMainLevelPrimaryPrimarySuite
Exterior
BlacktopDrivewaySeeRemarks
Parking
NoGarage
Flooring
Laminate, Varies
Roof
Flat
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 7/7/2025. Provided courtesy of Oneonta Realty LLC via Buffalo MLS. Information deemed reliable but not guaranteed.