CCertihomes
120 Main Street, Maryland, NY 12155

$184,000

3 beds 2 baths 2,334 sqft Built 188316 days on marketActive

About this home

Fantastic Opportunity for Owner-Occupants or Investors! Looking to purchase your first property and earn rental income? This move-in ready two-family home is the perfect choice! Whether you're looking for a full investment property or want to live in one unit while collecting rent from the other, this home offers flexible and immediate potential. The first-floor unit features: An open kitchen flowing into a formal dining room Spacious living room First-floor laundry Full bathroom Two comfortable bedrooms A bright, sun-filled front porch with full-paned windows The second-floor unit boasts: Open-concept kitchen and living area One large bedroom with a walk-in closet Full bathroom with shower Additional storage space Separate utilities (heat, electric, and hot water) for each unit make management easy. Enjoy the outdoors on the double lot, offering ample yard space for gardening, play, or relaxing in a peaceful country-style setting. A vintage two-story carriage barn with a metal roof provides covered parking and extra storage, while the paved driveway accommodates 2–3+ vehicles. Don’t miss this fantastic opportunity to own a well-maintained, income-potential-generating property.

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
$2,646/mo

Real estate (PITI + HOA + PMI)
$1,858
Principal + interest$1,181
Property tax + insurance$608
PMI / 2nd mortgage$69
Utilities
$1,534
Heating + cooling$619
Internet + TV + phone$130
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$130
$2,646/mo TLC
Budget$5,000/mo
Remaining after TLC$2,354/mo
Purchase price
$184,000
Down payment
$9,200 (5%)
Loan amount
$174,800
APR
7.15%

Quick facts

Type
MultiFamily
Style
Year built
1883
Lot size
0.48 ac
Stories
0
Heating
Propane, Oil, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$4,139
MLS #
R1625852
County
Otsego

At a glance

Basement
Garage (1)

Home features

Appliances
ElectricWaterHeater
Interior
CeilingFansBedroomOnMainLevel
Exterior
DeckPrivateYardSeeRemarks
Parking
OtherPavedParkingAvailableSeeRemarksTwoOrMoreSpaces
Flooring
Carpet, Hardwood, Varies, Vinyl
Roof
Asphalt
Sewer
SepticTank

Lot features

CornerLot, IrregularLot

Schools

Elementary
Other - See Remarks
Middle
Other - See Remarks
High
Schenevus Central

Neighborhood — 12155

MetricThis ZIPCountyUSA
Population1,40319,351,094299,088,112
Population Change Since199010.00%8.00%20.00%
Population Density23395
Male6929,381,926147,432,321
Female7109,969,168151,655,844
Never Married2714,946,39163,775,926
Married6857,166,701123,120,365
Separated461,159,67312,639,686
Widowed1081,110,24515,467,586
Divorced721,210,44823,075,029
Number Of House Hold5327,102,016111,826,380
Average House Hold Size2.642.642.60
Medial Age40.9936.5335.46
Median House Hold Income$37,783$49,847$48,276
Average House Hold Income$43,047$70,032$63,629
P C I$16,325$26,569$24,529
M D I$33,101$42,210$41,133
A T H E$39,689$54,185$50,898
S T R8.00%4.00%
W C J78.22%81.55%77.74%
(Zip) Code
12155

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

Map & walkability

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Listing information last refreshed 7/28/2025. Provided courtesy of Keller Williams Upstate NY Properties via Buffalo MLS. Information deemed reliable but not guaranteed.