CCertihomes
66 River Street, Oneonta, NY 13820

$249,900

5 beds 4 baths 2,658 sqft Built 19001 days on marketActive

About this home

REMARKABLE ONEONTA INVESTMENT, situated in a PRIME LOCATION!!! This THREE UNIT MULTI-FAMILY sits in the heart of the 6th Ward - adjacent to the boys & girls club, Sixth Ward Athletic Club around the corner, Riverside Elementary school just across the street, and literally just minutes from all Oneonta has to offer including both Downtown & Southside. This property is TOTALLY TURN-KEY and fully rented! The first unit is the right side of the house which features a porch and private driveway that can fit 2-3 cars on the outside. Inside on the first floor you will find a living room, half bath w/laundry, formal dining room, & kitchen - then upstairs features 3 good sized bedrooms w/closets & a large full bath. The second unit downstairs on the left has a porch & off street parking for one car outside. Inside you will find a living room, large pantry room, kitchen, full bath, bedroom w/closet, & laundry. Lastly the third unit which is upstairs on the left has a porch & off street parking outside. Inside features a living room, eat-in kitchen, full bath, & bedroom w/closet. Immaculately maintained with great tenants; MAJOR ADDITIONAL HIGHLIGHTS INCLUDE .... SEPARATE ELECTRIC METERS, SEPARATE GAS METERS (NATURAL GAS), PUBLIC WATER, PUBLIC SEWER, NEW HW HEATERS, UPDATED ELECTRIC, OFF STREET PARKING & A CURRENT COC!!! This could be the PERFECT OWNER OCCUPIED or a great investment property. All tenants are currently month to month, tenants pay all utilities except water & sewer. Opportunities like this don't come around often - DON'T HESITATE!!!

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
$3,397/mo

Real estate (PITI + HOA + PMI)
$2,530
Principal + interest$1,603
Property tax + insurance$833
PMI / 2nd mortgage$94
Utilities
$1,739
Heating + cooling$720
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$3,397/mo TLC
Budget$5,000/mo
Remaining after TLC$1,603/mo
Purchase price
$249,900
Down payment
$12,495 (5%)
Loan amount
$237,405
APR
7.15%

Quick facts

Type
MultiFamily
Style
Year built
1900
Lot size
0.24 ac
Stories
2
Heating
Electric, Gas, Baseboard, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$5,959
MLS #
R1630045
County
Otsego

At a glance

Basement

Home features

Appliances
ElectricWaterHeaterGasWaterHeater
Parking
PavedTwoOrMoreSpaces
Flooring
Carpet, Laminate, Varies, Vinyl
Roof
Asphalt, Membrane, Rubber
Sewer
Connected

Lot features

Rectangular, RectangularLot

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 8/12/2025. Provided courtesy of Benson Agency Real Estate LLC via Buffalo MLS. Information deemed reliable but not guaranteed.