CCertihomes
449 Chestnut St, Oneonta, NY 13820

$599,000

0 beds 0 baths 44,240 sqft Built 19801 days on marketActive

About this home

Three-parcel commercial campus on a total of 4.90 acres on Oneonta's high-visibility Chestnut Street corridor (449, 457 & 459 Chestnut St). This West End Oneonta commercial property offers immediate income and strong growth potential. The main building currently hosts an established restaurant, bridal retail, and medical space, plus approximately 14 additional suites for lease. An extra-large flex bay with overhead door and two sizable metal outbuildings support storage, light industrial, contractor operations, or e-commerce logistics. Commercial zoning, public water and sewer, natural-gas forced-air heat, ample paved and gravel parking, and easy delivery access make this a smart multi-tenant investment. Ideal for a flexible mix of office, retail/showroom, medical/wellness, professional services, studios, contractor bays, and fulfillment uses-all on a single, scalable campus. Minutes to I-88, SUNY Oneonta, and Hartwick College, and close to downtown restaurants, coffee shops, breweries, and the Foothills Performing Arts Center. Short drive to Cooperstown museums and lakes draws steady regional traffic. Start your legacy in Oneonta or expand your investment portfolio today!

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
$18,337/mo

Real estate (PITI + HOA + PMI)
$7,867
Principal + interest$3,843
Property tax + insurance$3,799
PMI / 2nd mortgage$225
Utilities
$21,207
Heating + cooling$10,454
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$18,337/mo TLC
Budget$18,837/mo
Remaining after TLC$500/mo
Purchase price
$599,000
Down payment
$29,950 (5%)
Loan amount
$569,050
APR
7.15%

Quick facts

Type
Office
Style
Year built
1980
Lot size
4.9 ac
Stories
1
Heating
Gas, ForcedAir
Cooling
Water
Public
HOA
Annual tax
$16,717
MLS #
R1630449
County
Otsego

At a glance

Basement

Home features

Flooring
Concrete, Other, SeeRemarks
Roof
Flat
Sewer
PublicSewer

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 8/16/2025. Provided courtesy of Charlotteville Realty via Buffalo MLS. Information deemed reliable but not guaranteed.