45 Elm Street Oneonta, NY ^$ 399,500

45 Elm Street

^$ 399,500

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45 Elm Street

Oneonta, NY, 13820

^$ 399,500

Bedrooms4 Baths3.0 Sq 2,678

Monthly Estimate*

^$ 2,759

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Single Family Home for sale in Oneonta, NY

for $399,500 with 4 bedrooms and 3 full baths. This 2,678 square foot home was built in 1920 on a lot size of 0.17.

Welcome to 45 Elm St, Oneonta, NY, nestled in picturesque Otsego County. This charming single-family home blends country charm with city convenience, featuring 4 bedrooms, 3 full baths. Newly renovated kitchen, bathroom, wood and tile floor throughout the house, freshly painted, newer furnace (2023), finished basement to gain more living space. This home is ready for its next owner. Schedule your showing today through SHOWINGTIME.

Single Family Active

Price

^$ 399,500

Bedrooms

Full Bath

Property Type

Single Family

Taxes

^$ 8,739

Style

Traditional

Lot Size

0.17

Year Built

1920

Town/City

Oneonta

County/Region

Otsego

MLS | Web ID

202628896

Features

Interior

Interior Amenities Eat-in Kitchen

Basement Finished Full

Flooring Tile Hardwood Laminate

Total Fireplaces 1

Fireplace Features Living Room Wood Burning

Basement (Y/N) N

Air Conditioning Y/N false

Heating Y/N true

Fireplace Y/N true

Above Grade Finished Area 2678

Half Baths 0

Laundry Features In Basement

Total Bedrooms 4

Below Grade Finished Area 1000

Below Grade Finished Area Source See Remarks

Above Grade Finished Area Source Public Records

Total Baths 3

General

Sewer Public Sewer

Heating Forced Air Natural Gas

Cooling None

Possession At Closing

Roof Asphalt

Appliances Microwave Range Refrigerator Washer/Dryer

Garage Spaces 1

Patio/Porch Features Deck Front Porch

Architectural Style Traditional

Construction Materials Wood Siding

Year Built 1920

Property Subtype Single Family Residence

County Otsego

New Construction false

Property Type Residential

HOA false

Attached Garage false

Garage Y/N N

Total Rooms 11

Full Baths 3

Status Active

Directions Take Interstate 88 to Exit 15 then turn onto NY 23 West for 0.4 Miles to Elm St destination on Left

City Oneonta

High School District Oneonta

Lot Size Units Acres

Lot Size Square Feet 7405.2

Carport Y/N N

Land Lease Y/N N

Tax Annual Amount 8739

Home Warranty Y/N N

Lease Renewal Y/N N

Additional Parcels Y/N N

Lease Considered Y/N N

Rent Control Y/N N

Virtual Tour https://app.doaudiotours.com/unbranded?id=33411&lang=en-US

Standard Status Active

Tax Assessed Value 0

Tax Lot 27.000

Exterior

Exterior Amenities Drive-Paved Lighting

Fencing Back Yard

Parking Features Detached

Water Source Public

Total Parking 3

Lot Size Area 0.17

Spa N

Building Area Total 2678

Lot Size Acres 0.17

Waterfront Y/N false

Crops Included Y/N N

Horse Y/N N

Irrigation Water Rights Y/N N

Internal Only

Street Number 1 45

* Excluded Features

List By

Dun Zhuo Zheng

Listing Agent

Brokers Network

Broker

(518) 292-8817

Phone

jack81719@yahoo.com

Affordability Calculator

$3,487

Per Month

Monthly Principal & Interest: $2,759
Monthly Property Taxes: $728
Monthly Home Insurance: --

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Down Payment

Loan Term

Interest Rate

Yearly Property Taxes

Yearly Home Insurance

Default based on a 30-year fixed rate of 7.375% 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 ^$266,640

Percent of Sale Price 33%

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.

0 Elementary School

0 Middle School

See complete school information

Pricing History

Date	Price	Price Change	Description
10/23/2026	$399,500		Listed Price

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45 Elm Street, Oneonta, NY, 13820 is a Single Family Home for sale at $399,500 with 2,678 sqft and a lot size of 0.17. 45 Elm Street has 4 bedrooms, 3.0 baths, and was built in 1920. 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 7.375% 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 for sale on this web site comes in part from The Internet Data Exchange Program of ©2019 Global Multiple Listing Service, Inc. The data relating to real estate on this website comes in part from the Internet Data Exchange program of the GMLS. All information is deemed reliable but not guaranteed and should be independently verified. All properties subject to prior sale, change, or withdrawal. Neither listing broker(s), GMLS shall be responsible for any typographical errors, misinformation, or misprints, and shall be held totally harmless from any damages arising from reliance upon these data. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing.

Data is updated as of 10/25/2026.

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45 Elm Street

Single Family Home for sale in Oneonta, NY

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