CCertihomes
7 Spring Street, Oneonta, NY 13820

$250,000

7 beds 3 baths 1,794 sqft Built 19200 days on marketActive

About this home

Two Homes, three units, endless possibilities! 7 & 9 Spring Street offer an incredible opportunity for investment, rental income, or multigenerational living. The main house at 7 Spring Street has two apartments: a spacious 3-bedroom, 1-bath unit with laundry on the first floor, and a 2-bedroom (possibly 3), 1-bath unit with laundry upstairs. Behind it, 9 Spring Street is a separate cottage with 2 bedrooms, 1 bath, and flexible living space—ready for a little TLC to reach its full potential. Each unit features its own porch, and the property provides both off-street and on-street parking. Conveniently located within walking distance to downtown, amenities, and the bus stop, this property is a rare find. Live in one and rent the others, rent all three, or create the perfect setup for extended family. The possibilities are endless!

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
$3,144/mo

Real estate (PITI + HOA + PMI)
$2,488
Principal + interest$1,604
Property tax + insurance$790
PMI / 2nd mortgage$94
Utilities
$1,317
Heating + cooling$509
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$3,144/mo TLC
Budget$5,000/mo
Remaining after TLC$1,856/mo
Purchase price
$250,000
Down payment
$12,500 (5%)
Loan amount
$237,500
APR
7.15%

Quick facts

Type
MultiFamily
Style
Year built
1920
Lot size
0.14 ac
Stories
2
Heating
Gas, Steam
Cooling
Water
Connected, Public
HOA
Annual tax
$5,896
MLS #
R1631324
County
Otsego

Home features

Appliances
ElectricWaterHeater
Interior
CeilingFansNaturalWoodwork
Exterior
Deck
Parking
OnStreetTwoOrMoreSpaces
Flooring
CeramicTile, Hardwood, Laminate, Varies, Vinyl
Roof
Architectural, Shingle
Sewer
Connected

Lot features

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 8/17/2025. Provided courtesy of Coldwell Banker Timberland Properties via Buffalo MLS. Information deemed reliable but not guaranteed.