CCertihomes
107 Elm Street, Oneonta, NY 13820

$349,000

9 beds 4 baths 3,105 sqft Built 19750 days on marketActive

About this home

Cash Cow! Realize immediate income (64, 500 annually) in this 9 BR, 3 Unit, Center City Student Rental Property. Established rental history and fully rented for the 2025-2026 school year. Furnished with many recent updates and on-site laundry for each unit. Conveniently located. SUNY campus is literally in the backyard with ample off-street parking and just steps from the bus line. Easy walk to both universities and downtown. This is an investors dream! Do not wait to see it!

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
$4,341/mo

Real estate (PITI + HOA + PMI)
$3,406
Principal + interest$2,239
Property tax + insurance$1,036
PMI / 2nd mortgage$131
Utilities
$1,949
Heating + cooling$825
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$4,341/mo TLC
Budget$5,000/mo
Remaining after TLC$659/mo
Purchase price
$349,000
Down payment
$17,450 (5%)
Loan amount
$331,550
APR
7.15%

Quick facts

Type
MultiFamily
Style
Triplex
Year built
1975
Lot size
0.75 ac
Stories
3
Heating
Electric, Gas, Baseboard
Cooling
Water
Connected, Public
HOA
Annual tax
$7,130
MLS #
R1629427
County
Otsego

At a glance

Basement

Home features

Appliances
GasWaterHeater
Parking
GravelTwoOrMoreSpaces
Flooring
Laminate, Varies
Sewer
Connected

Lot features

NearPublicTransit, Rectangular, RectangularLot, ResidentialLot

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 8/13/2025. Provided courtesy of BlueSky Properties via Buffalo MLS. Information deemed reliable but not guaranteed.