CCertihomes
2 James Street, Oneonta, NY 13820

$149,000

3 beds 2 baths 1,429 sqft Built 19302 days on marketActive

About this home

Discover the charm of this inviting 3-bedroom, 1.5-bathroom home in the heart of Oneonta, NY. Featuring beautiful original hardwood floors and rich wood trim throughout, this residence is warm and cozy and will make a delightful home for a new owner. Located two minutes from All Star Village in the Town of Oneonta, this property could make a great short term rental, long term rental, or primary residence. Just 5 minutes from Oneonta’s vibrant Main Street and under 10 minutes from local universities, this home provides easy access to shops, dining, and education—ideal for families, professionals, or students. Enjoy the practicality of the detached garage (overhead door has a power lift), offering ample space for parking and storage. Wildflowers grace the gardens around the house and a covered front porch provides a great place to sit on a warm summer's evening. Whether you’re searching for a perfect starter home or a smart investment opportunity, this property presents excellent potential for a range of uses. Don’t miss the chance to secure a home that combines location, charm, and opportunity in one convenient package all under the $150, 000 price point. A rare find in the current market! This home will shine with a little TLC. Priced to sell.

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
$2,093/mo

Real estate (PITI + HOA + PMI)
$1,501
Principal + interest$956
Property tax + insurance$489
PMI / 2nd mortgage$56
Utilities
$1,113
Heating + cooling$407
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,093/mo TLC
Budget$5,000/mo
Remaining after TLC$2,907/mo
Purchase price
$149,000
Down payment
$7,450 (5%)
Loan amount
$141,550
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
TwoStory
Year built
1930
Lot size
0.06 ac
Stories
0
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$3,548
MLS #
R1628704
County
Otsego

At a glance

Basement
Garage (1)

Home features

Appliances
DryerGasOvenGasRangeGasWaterHeaterRefrigeratorWasher
Interior
CeilingFansSeparateFormalDiningRoomEatInKitchenSeparateFormalLivingRoomPullDownAtticStairsNaturalWoodwork
Exterior
BlacktopDriveway
Parking
DetachedGarage
Flooring
Carpet, Hardwood, Tile, Varies, Vinyl
Roof
Asphalt, Shingle
Sewer
Connected

Lot features

IrregularLot, NearPublicTransit

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 8/9/2025. Provided courtesy of Keller Williams Upstate NY Properties via Buffalo MLS. Information deemed reliable but not guaranteed.