CCertihomes
114 Elm Road, Oxford, NY 13830

$150,000

3 beds 1 baths 1,194 sqft Built 197823 days on marketActive

About this home

Enjoy this tranquil and peaceful year-round home within walking distance to PRIVATE LAKE GERRY (see lakegerry.com for more information on Lake Rights) in beautiful UPSTATE NY. This home offers three bedrooms, one bath, laundry room, office nook and enclosed front porch. All on a LARGE DOUBLE LOT with a partially fenced in yard. The home has newer electric service and furnace, both 2022. The oil tank will be a year old in October. The home has a 10 year old metal roof and generator hook up already there. The LARGE LOT also has (1) 12' x 30' Outbuilding and (1) 12' X 20' Shed, great for all your storage needs. Driveway enters and exits from both lots, a drive thru driveway. Very convenient!!! Year round living near all of the seasonal activities the area 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
$1,769/mo

Real estate (PITI + HOA + PMI)
$1,271
Principal + interest$962
Property tax + insurance$253
PMI / 2nd mortgage$56
Utilities
$915
Heating + cooling$303
Internet + TV + phone$143
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$143
$1,769/mo TLC
Budget$5,000/mo
Remaining after TLC$3,231/mo
Purchase price
$150,000
Down payment
$7,500 (5%)
Loan amount
$142,500
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Ranch
Year built
1978
Lot size
0.23 ac
Stories
1
Heating
Oil, ForcedAir
Cooling
Water
Well
HOA
Annual tax
$831
MLS #
R1625780
County
Chenango

Home features

Appliances
DryerElectricWaterHeaterGasOvenGasRangeRefrigeratorWasher
Interior
EatInKitchenHomeOffice
Exterior
EnclosedPorchFenceGravelDrivewayPorch
Parking
NoGarage
Flooring
Carpet, Tile, Varies, Vinyl
Roof
Metal
Sewer
SepticTank

Lot features

Rectangular, RectangularLot, RuralLot

Neighborhood — 13830

MetricThis ZIPCountyUSA
Population6,35419,351,094299,088,112
Population Change Since1990-6.00%8.00%20.00%
Population Density57395
Male3,1569,381,926147,432,321
Female3,1989,969,168151,655,844
Never Married1,1524,946,39163,775,926
Married2,9457,166,701123,120,365
Separated2391,159,67312,639,686
Widowed3491,110,24515,467,586
Divorced5651,210,44823,075,029
Number Of House Hold2,2977,102,016111,826,380
Average House Hold Size2.722.642.60
Medial Age40.2836.5335.46
Median House Hold Income$42,695$49,847$48,276
Average House Hold Income$50,228$70,032$63,629
P C I$18,414$26,569$24,529
M D I$37,024$42,210$41,133
A T H E$43,875$54,185$50,898
S T R8.00%4.00%
W C J74.81%81.55%77.74%
(Zip) Code
13830

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

Map & walkability

Open in Google Maps →

Listing information last refreshed 7/27/2025. Provided courtesy of Howard Hanna via Buffalo MLS. Information deemed reliable but not guaranteed.