CCertihomes
438 County Highway 9, Oneonta, NY 13820

$350,000

3 beds 2 baths 1,728 sqft Built 18800 days on marketActive

About this home

Step into timeless elegance with this beautifully crafted 3-bedroom, 2-bath farmhouse-style home. Thoughtfully designed with attention to detail throughout, you'll find rich barnwood accents, wide plank pine floors, and stylish tile finishes that blend rustic charm with modern comfort. A highlight of the home is the stunning front living room, surrounded by windows that flood the space with natural light—perfect for relaxing, entertaining, or watching wildlife in the peaceful surroundings. The spacious wrap-around porch is perfect for relaxing or entertaining while taking in the picturesque views. The deck features a pergola draped in wisteria—an idyllic spot to enjoy a quiet afternoon. Several flower gardens that bloom perennial flowers as spring turns into summer. Ideally located just minutes from the Oneonta Country Club, shopping, restaurants, and more, this home offers both tranquility and convenience in one perfect package.

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
$3,754/mo

Real estate (PITI + HOA + PMI)
$3,151
Principal + interest$2,246
Property tax + insurance$774
PMI / 2nd mortgage$131
Utilities
$1,285
Heating + cooling$493
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$3,754/mo TLC
Budget$5,000/mo
Remaining after TLC$1,246/mo
Purchase price
$350,000
Down payment
$17,500 (5%)
Loan amount
$332,500
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Farmhouse
Year built
1880
Lot size
0.81 ac
Stories
2
Heating
Oil, Baseboard, HotWater
Cooling
Water
Well
HOA
Annual tax
$4,681
MLS #
R1627341
County
Otsego

At a glance

Fireplace
Basement

Home features

Appliances
DryerDishwasherElectricWaterHeaterFreezerGasCooktopGasOvenGasRangeMicrowaveRefrigeratorWasherWaterSoftenerOwned
Interior
SeparateFormalDiningRoomSeparateFormalLivingRoomHotTubSpaCountryKitchenPantry
Exterior
DirtDrivewayDeckHotTubSpaPropaneTankLeased
Parking
NoGarage
Flooring
CeramicTile, Hardwood, Tile, Varies
Sewer
SepticTank

Lot features

IrregularLot

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 8/1/2025. Provided courtesy of Coldwell Banker Timberland Properties via Buffalo MLS. Information deemed reliable but not guaranteed.