CCertihomes
318 Earl Avenue, Oneida, NY 13421

$244,500

4 beds 2 baths 1,575 sqft Built 19250 days on marketActive

About this home

Charming Cape Cod with Modern Updates & Backyard Oasis! Welcome to this Cape Cod-style home offering the perfect blend of timeless charm and modern convenience. With 4 bedrooms, 1 on the main floor, and 2 full bathrooms, this home is designed to provide comfort for every stage of life. Step inside to discover a fully remodeled custom kitchen featuring sleek granite countertops from Italy, upgraded cabinetry, stainless steel appliances with a SMART refrigerator, and a stylish tile floor—perfect for the home chef and ideal for entertaining. The light-filled living spaces are warm and inviting, with hardwood floors and classic Cape Cod architectural details throughout. Upstairs, you’ll find the additional bedrooms, while the updated bathrooms offer a fresh, contemporary feel. The basement has a rec room to make your own. The real showstopper awaits outside—your very own in-ground pool surrounded by a private, landscaped yard. Whether you’re hosting summer gatherings, enjoying quiet evenings under the stars, or simply soaking up the sunshine, this backyard is a true retreat. Located in a neighborhood close to schools, parks, shopping, and commuter routes, this home combines charm, convenience, and lifestyle in one perfect package. Don’t miss the opportunity to make this Cape Cod treasure yours!

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
$3,068/mo

Real estate (PITI + HOA + PMI)
$2,474
Principal + interest$1,569
Property tax + insurance$813
PMI / 2nd mortgage$92
Utilities
$1,189
Heating + cooling$445
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$3,068/mo TLC
Budget$5,000/mo
Remaining after TLC$1,932/mo
Purchase price
$244,500
Down payment
$12,225 (5%)
Loan amount
$232,275
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
CapeCod, HistoricAntique, TwoStory
Year built
1925
Lot size
0.14 ac
Stories
0
Heating
Gas, ForcedAir
Cooling
CentralAir
Water
Connected, Public
HOA
Annual tax
$6,333
MLS #
S1629907
County
Madison

At a glance

Air conditioning
Basement
Garage (1)

Home features

Appliances
DryerDishwasherElectricCooktopElectricOvenElectricRangeGasWaterHeaterMicrowaveRefrigeratorWasher
Interior
CeilingFansSeparateFormalDiningRoomSeparateFormalLivingRoomGraniteCountersSlidingGlassDoorsNaturalWoodworkBedroomOnMainLevel
Exterior
BlacktopDrivewayDeckFullyFencedPool
Parking
DetachedElectricityGarage
Pool
InGround
Flooring
Carpet, CeramicTile, Hardwood, Resilient, Varies
Roof
Shingle
Sewer
Connected

Lot features

Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13421

MetricThis ZIPCountyUSA
Population14,81119,351,094299,088,112
Population Change Since1990-1.00%8.00%20.00%
Population Density354395
Male7,1769,381,926147,432,321
Female7,6349,969,168151,655,844
Never Married3,2244,946,39163,775,926
Married6,2557,166,701123,120,365
Separated5061,159,67312,639,686
Widowed8491,110,24515,467,586
Divorced1,2161,210,44823,075,029
Number Of House Hold5,6147,102,016111,826,380
Average House Hold Size2.622.642.60
Medial Age37.3536.5335.46
Median House Hold Income$41,521$49,847$48,276
Average House Hold Income$49,212$70,032$63,629
P C I$18,880$26,569$24,529
M D I$36,217$42,210$41,133
A T H E$43,230$54,185$50,898
S T R8.00%4.00%
W C J80.78%81.55%77.74%
(Zip) Code
13421

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

Map & walkability

Open in Google Maps →

Listing information last refreshed 8/16/2025. Provided courtesy of Chapin Real Estate via Buffalo MLS. Information deemed reliable but not guaranteed.