51 Pioneer Street Otsego, NY $ 459,000
51 Pioneer Street
$ 459,000
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51 Pioneer Street

Otsego, NY, 13326
$ 459,000
Bedrooms3 Baths1.1 Sq 2,648

Monthly Estimate*

$ 2,826

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Single Family Home for sale in Otsego, NY

for $459,000 with 3 bedrooms and 1 full bath, 1 half bath. This 2,648 square foot home was built in 1826 on a lot size of 0.04.

Discover a rare and versatile Residential/Commercial investment opportunity in the heart of downtown Cooperstown. This meticulously decorated property features one retail space along with one residential space, offering the perfect blend of business and living potential. The home includes three bedrooms, a bonus room for additional sleeping and one and a half baths, while the full finished walk-out basement has been thoughtfully converted into a beautiful studio apartment that can also serve as additional retail or office space. With commercial and residential zoning and multiple private entrances, the possibilities are nearly endless—ideal for retail, office use, apartments, restaurants, or a seamless live/work setup. The property also includes a full walk-up attic, providing excellent storage or future expansion potential. Outside, you’ll find two to three parking spaces conveniently located behind the building in the alley, along with a small, fenced backyard for added privacy or outdoor enjoyment. Situated just a short walk from downtown shopping, dining, and the scenic beauty of Otsego Lake, this prime location enhances both lifestyle and business appeal. To make your transition even easier, the sellers are including all furnishings, making this a true turnkey opportunity where the world is your oyster.

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Single Family Active

Price

$ 459,000

Bedrooms

3

Full Bath

1

Half Bath

1

Property Type

Single Family

Taxes

$ 4,480

Style

TwoStory

Lot Size

0.04

Year Built

1826

Town/City

Otsego

County/Region

Otsego

MLS | Web ID

R1670195

Features
Interior
Interior Amenities Attic SeparateFormalDiningRoom Furnished GraniteCounters CountryKitchen Other SeeRemarks SecondKitchen NaturalWoodwork
Basement Full Finished WalkOutAccess
Flooring Hardwood Varies
Furnished Y/N Furnished
Total Fireplaces 0
Total Stories 3
Basement (Y/N) Yes
Heating Y/N Yes
Fireplace Y/N No
Half Baths 1
Total Bedrooms 3
Main Level Bedrooms 0
Main Level Bathrooms 1
Total Baths 2
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General
Sewer Connected
Heating Oil ForcedAir
Utilities ElectricityAvailable HighSpeedInternetAvailable SewerConnected
Possession CloseOfEscrow
Appliances Dryer Dishwasher ElectricCooktop ElectricOven ElectricRange Freezer Microwave OilWaterHeater Refrigerator Washer
Garage Spaces 0.0
Patio/Porch Features Patio
Architectural Style TwoStory
Construction Materials Frame Stone
School District Cooperstown
Year Built 1826
Stories Count 3
Township Cooperstown-Village
Property Subtype SingleFamilyResidence
County Otsego
Property Type Residential
Garage Y/N No
Total Rooms 6
Full Baths 1
Status Active
Directions Main Street Cooperstown.Left onto Pioneer Street
City Otsego
Body of Water Otsego Lake
Senior Community Y/N No
High School District Cooperstown
Number Of Units Total 0
MLS Area Cooperstown Village-Otsego-365001
Lot Size Units Acres
Lot Size Square Feet 1742.0
Year Built Details Existing
Tax Annual Amount 4480.0
Property Condition Resale
Standard Status Active
Middle/Junior School District Cooperstown
Elementary School District Cooperstown
Tax Assessed Value 249600
TaxOtherAnnualAssessmentAmount 120.0
Tax Lot 69
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Exterior
Exterior Amenities ConcreteDriveway Fence Patio
Fencing Partial
Parking Features NoGarage
Lot Features Rectangular RectangularLot
Water Source Lake River
Lot Size Area 0.04
Foundation Details Stone
Building Area Total 2648.0
Lot Dimensions 33X33
Lot Size Acres 0.04
Waterfront Y/N No
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Internal Only
Street Number 1 51
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* Excluded Features
List By
Howard Hanna

Broker

(607) 267-6330

Phone

Affordability Calculator

$3,199
Per Month
88%
12%
0%
Monthly Principal & Interest
$2,826
Monthly Property Taxes
$373
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% 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
4122716 Elementary School
4122685 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
4/1/2026$459,000 Listed Price

Map


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51 Pioneer Street, Otsego, NY, 13326 is a Single Family Home for sale at $459,000 with 2,648 sqft and a lot size of 0.04. 51 Pioneer Street has 3 bedrooms, 1.1 baths, and was built in 1826. The property's zip code is 13326 which is in Otsego, NY