CCertihomes
3874 State Highway 23, Oneonta, NY 13861

$139,900

3 beds 2 baths 975 sqft Built 19954 days on marketActive

About this home

Location, location... This 1995 Doublewide offers 3 bedrooms and 2 full bathrooms, conveniently located just minutes to I88, shopping, hospitals, and Cooperstown All Star Village. Ramp access off rear to lovely deck overlooking large, level backyard lot. Front entry features covered deck to slider and living room. Natural gas heat, primary suite with large full bath, and plenty of storage are just some of the features you will like about this home. It is a bright and cheery interior, with lots of room and a handsome gas fireplace in living room. Separate outbuilding for storage/shop. The following will need to be evaluated by Buyer: The well is not producing potable water. Septic is cesspool- condition unknown. Purchaser will need to get inspected by professional. Gas fireplace insert is not working- burner will need repair. Laundry H/U's only are in the kitchen. Most furnishings and furniture are available.

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
$1,720/mo

Real estate (PITI + HOA + PMI)
$1,276
Principal + interest$898
Property tax + insurance$326
PMI / 2nd mortgage$52
Utilities
$807
Heating + cooling$253
Internet + TV + phone$135
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$135
$1,720/mo TLC
Budget$5,000/mo
Remaining after TLC$3,280/mo
Purchase price
$139,900
Down payment
$6,995 (5%)
Loan amount
$132,905
APR
7.15%

Quick facts

Type
ManufacturedOnLand
Style
ManufacturedHome, MobileHome
Year built
1995
Lot size
0.38 ac
Stories
1
Heating
Gas, ForcedAir
Cooling
Water
Other, SeeRemarks
HOA
Annual tax
$1,935
MLS #
R1628886
County
Otsego

Home features

Appliances
DryerElectricWaterHeaterGasOvenGasRangeRefrigeratorWasher
Interior
CeilingFansEatInKitchenPantryWindowTreatmentsBathInPrimaryBedroom
Exterior
DeckGravelDriveway
Parking
NoGarage
Flooring
Carpet, Varies, Vinyl
Roof
Shingle
Sewer
Other, SeeRemarks

Lot features

IrregularLot

Neighborhood — 13861

MetricThis ZIPCountyUSA
Population19919,351,094299,088,112
Population Change Since19901.00%8.00%20.00%
Population Density20395
Male999,381,926147,432,321
Female1009,969,168151,655,844
Never Married304,946,39163,775,926
Married1097,166,701123,120,365
Separated51,159,67312,639,686
Widowed71,110,24515,467,586
Divorced171,210,44823,075,029
Number Of House Hold777,102,016111,826,380
Average House Hold Size2.582.642.60
Medial Age41.8336.5335.46
Median House Hold Income$40,832$49,847$48,276
Average House Hold Income$45,896$70,032$63,629
P C I$17,802$26,569$24,529
M D I$36,874$42,210$41,133
A T H E$41,267$54,185$50,898
S T R8.00%4.00%
W C J65.62%81.55%77.74%
(Zip) Code
13861

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

Map & walkability

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Listing information last refreshed 8/7/2025. Provided courtesy of Benson Agency Real Estate LLC via Buffalo MLS. Information deemed reliable but not guaranteed.