435 Main Street Oneonta, NY ^$ 224,900

435 Main Street

^$ 224,900

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435 Main Street

Oneonta, NY, 13820

^$ 224,900

Bedrooms3 Baths1.1 Sq 1,577

Monthly Estimate*

^$ 1,403

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Single Family Home for sale in Oneonta, NY

for $224,900 with 3 bedrooms and 1 full bath, 1 half bath. This 1,577 square foot home was built in 1900 on a lot size of 0.45.

Enjoy the feeling of country living right in the heart of Oneonta on double lot. Meticulously maintained - move in condition. Everything is done, just bring your furniture . 3 bed, 1 1/2 bath home conveniently located within walking distance to downtown, parks, hospital, all Oneonta has to offer. Replacement windows, metal roof, freshly painted in neutral colors ready for you finishing touches. Listing Broker is part owner of this property.

Single Family Active

Price

^$ 224,900

Bedrooms

Full Bath

Half Bath

Property Type

Single Family

Taxes

^$ 4,805

Style

TwoStory

Lot Size

0.45

Year Built

1900

Town/City

Oneonta

County/Region

Otsego

MLS | Web ID

R1641499

Features

Interior

Interior Amenities CeilingFans EntranceFoyer GreatRoom KitchenIsland LivingDiningRoom ProgrammableThermostat

Basement Full WalkOutAccess

Flooring Carpet LuxuryVinyl Varies Vinyl

Total Fireplaces 0

Total Stories 2

Basement (Y/N) Yes

Air Conditioning Y/N Yes

Heating Y/N Yes

Window Features ThermalWindows

Fireplace Y/N No

Half Baths 1

Laundry Features MainLevel

Total Bedrooms 3

Main Level Bedrooms 0

Main Level Bathrooms 1

Total Baths 2

General

Sewer Connected

Heating Gas ForcedAir

Cooling WindowUnits

Utilities ElectricityConnected HighSpeedInternetAvailable SewerConnected WaterConnected

Possession CloseOfEscrow

Roof Metal

Appliances ExhaustFan ElectricWaterHeater GasOven GasRange Microwave Refrigerator RangeHood

Garage Spaces 1.0

Architectural Style TwoStory

Construction Materials AluminumSiding Frame WoodSiding PexPlumbing

School District Oneonta

Year Built 1900

Stories Count 2

Township Not Applicable

Levels Two

Property Subtype SingleFamilyResidence

Additional Parcels Description 361200-288-019-0001-049-000-0000

County Otsego

Property Type Residential

Attached Garage No

Garage Y/N Yes

Total Rooms 8

Full Baths 1

Status Active

Directions Main street East past hospital . Home on left #435.

City Oneonta

Senior Community Y/N No

High School District Oneonta

Number Of Units Total 0

MLS Area Oneonta-City-361200

Lot Size Units Acres

Lot Size Square Feet 10890.0

Year Built Details Existing

Tax Annual Amount 4805.0

Property Condition Resale

Standard Status Active

Middle/Junior School District Oneonta

Elementary School District Oneonta

Tax Assessed Value 124500

TaxOtherAnnualAssessmentAmount 0.0

Tax Lot 48

Exterior

Exterior Amenities BlacktopDriveway EnclosedPorch Porch

Fencing PetFence

Parking Features Detached Garage

Lot Features IrregularLot NearPublicTransit ResidentialLot Wooded

Water Source Connected Public

Lot Size Area 0.45

Foundation Details Stone

Building Area Total 1577.0

Lot Dimensions 156X81

Lot Size Acres 0.45

Waterfront Y/N No

Road Frontage Type CityStreet

Internal Only

Street Number 1 435

* Excluded Features

List By

Bordinger Realty, Llc

Broker

(607) 434-2566

Phone

Affordability Calculator

$1,804

Per Month

Monthly Principal & Interest: $1,403
Monthly Property Taxes: $400
Monthly Home Insurance: --

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Loan Term

Interest Rate

Yearly Property Taxes

Yearly Home Insurance

Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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Nearby

Trends
Schools

Single family listings in Oneonta, NY

Average List Price ^$308,821

Percent of Sale Price 37%

About Oneonta, NY

22,554 Population

4% Since 2002

^$48,532 Median Income

29.25 Median Age

22% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

4122763 Elementary School

4122830 Middle School

Unknown High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
10/29/2025	$224,900	-9.68%	Price Down
10/5/2025	$249,000		Listed Price

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435 Main Street, Oneonta, NY, 13820 is a Single Family Home for sale at $224,900 with 1,577 sqft and a lot size of 0.45. 435 Main Street has 3 bedrooms, 1.1 baths, and was built in 1900. The property's zip code is 13820 which is in Oneonta, NY

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

The data relating to real estate on this web site comes in part from the Internet Data Exchange (IDX) Program of NYSAMLS. Real estate listings held by firms other than Weichert Realtors are marked with the IDX logo and detailed information about them includes the Listing Brokers Firm Name.

All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither the listing broker(s) nor Weichert Realtors shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless. Copyright 2025 All rights reserved.

Fair Housing Notice (FHN)-https://www.dos.ny.gov/licensing/docs/FairHousingNotice_new.pdf

Data is updated as of 12/8/2025.

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435 Main Street

Single Family Home for sale in Oneonta, NY

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