CCertihomes
20 N Belmont Circle, Oneonta, NY 13820

$299,000

2 beds 2 baths 2,256 sqft Built 195024 days on marketActive

About this home

Welcome to this inviting 2/3 bedroom, 2 bath Colonial tucked into a quiet Oneonta neighborhood on a double lot. The main level flows beautifully from the warm, welcoming living room with a cozy decorative fireplace and mini split for A/C to the formal dining room, which connects to the kitchen with granite counters. The 16 x 16 sun-filled 3 season sunroom with vaulted ceilings has a natural gas fireplace and mini-split along with a walk out to back yard making it perfect for relaxing or entertaining. Sliding glass doors from the sunroom open to a Trex deck and covered porch with new indoor/outdoor carpet, ideal for morning coffee or evening gatherings. This level also offers a bedroom, a full bath, and a flexible room that could serve as an additional bedroom, home office, or guest suite. Upstairs, currently used as the primary suite but could easily be converted into additional bedrooms. There are two spacious rooms that offer additional flexibility—perfect for a second living area, office, playroom or bedrooms. Beyond them, the private primary suite with electric fireplace, a walk-in closet and a generous bathroom with a soaking tub, double vanity, and separate shower. Also on the 2nd floor is a built in A/C unit. The full, unfinished basement includes a laundry area with utility sink, work bench and ample storage. Outside, you'll find a 2-car garage attached with a breezeway and a fully fenced backyard—great for pets, play, or gardening. Conveniently located near SUNY Oneonta, Hartwick College, A.O. Fox Hospital, and the conveniences that the city of Oneonta has to offer!

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
$3,749/mo

Real estate (PITI + HOA + PMI)
$2,993
Principal + interest$1,918
Property tax + insurance$963
PMI / 2nd mortgage$112
Utilities
$1,553
Heating + cooling$627
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$3,749/mo TLC
Budget$5,000/mo
Remaining after TLC$1,251/mo
Purchase price
$299,000
Down payment
$14,950 (5%)
Loan amount
$284,050
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Colonial
Year built
1950
Lot size
0.19 ac
Stories
2
Heating
Electric, Gas, Baseboard, HotWater
Cooling
WallUnits
Water
Connected, Public
HOA
Annual tax
$7,208
MLS #
R1621076
County
Otsego

At a glance

Air conditioning
Fireplace
Basement
Garage (2)

Home features

Appliances
DryerDishwasherElectricOvenElectricRangeGasWaterHeaterMicrowaveRefrigeratorWasher
Interior
CeilingFansSeparateFormalDiningRoomConvertibleBedroom
Exterior
BlacktopDrivewayPatio
Parking
AttachedGarage
Flooring
Carpet, Hardwood, Tile, 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 7/12/2025. Provided courtesy of Keller Williams Upstate NY Properties via Buffalo MLS. Information deemed reliable but not guaranteed.