CCertihomes
4 Third Street, Oneonta, NY 13820

$179,000

3 beds 1 baths 1,080 sqft Built 19302 days on marketActive

About this home

Conveniently located just steps from Fox Hospital and public transportation, this 3-bedroom, 1-bath home offers comfort and accessibility in the City of Oneonta. Enjoy mornings and evenings on either of the two enclosed porches—one welcoming you at the front and the other offering a private retreat in the back. Inside, you’ll find a functional layout with oil-forced air heat to keep you cozy during the colder months. Whether you're a first-time homebuyer, downsizing, or looking for a solid investment opportunity, this centrally located home is full of potential. Don’t miss this opportunity to own a piece of Oneonta charm!

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
$2,235/mo

Real estate (PITI + HOA + PMI)
$1,744
Principal + interest$1,149
Property tax + insurance$528
PMI / 2nd mortgage$67
Utilities
$933
Heating + cooling$317
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,235/mo TLC
Budget$5,000/mo
Remaining after TLC$2,765/mo
Purchase price
$179,000
Down payment
$8,950 (5%)
Loan amount
$170,050
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
HistoricAntique
Year built
1930
Lot size
0.07 ac
Stories
2
Heating
Oil, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$3,876
MLS #
R1620600
County
Otsego

At a glance

Basement

Home features

Appliances
OilWaterHeaterSeeRemarks
Interior
OtherPantrySeeRemarksNaturalWoodwork
Exterior
EnclosedPorchPorch
Parking
NoGarageNoDriveway
Flooring
Carpet, Varies
Sewer
Connected

Lot features

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

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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.