For Sale173d on marketHistoric · 126 yrs
435 Main St
Oneonta, NY, 13820 • 13820 • Otsego County
$224,900
$146/sqft
-$24,100 since Oct 30, 2025
Down payment assistance available
3Beds
2Baths
1,540Sqft
0.45 acLot
1900Built
Property DNA
Two Story Style
Built 1900 · 126 years of history
1-Car Garage
Detached · Garage
This home is getting attention
Listed 173 days ago · 744 views · 27 saves
Market activity
Demand and pricing signals for this listing
744 views
People checking out this listing
27 saves
Buyers have saved this home
173 days on market
Established listing
$146/sqft
Price per square foot
About this home
Single Family · Built 1900 · Historic
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. All replacement windows by Madison Window, all new floors on first floor, 2 bedrooms upstairs with Luxury Vinyl, Freshly painted with Benjamin Moore in neutral color inside and out. Updated electric and plumbing. 3 bed, 1 1/2 bath home conveniently located within walking distance to downtown, parks, hospital, all Oneonta has to offer. Great double lot offers a garden area, perhaps play ground, outdoor living space with possible firepit, fruit trees and bushes....you decide....Just add your personal touches for your decorating style. Home has Amish Barn large enough for single car garage. Just add front apron for easy access. Listing Broker is part owner of this property. Home has been family owned for over 70 years.
Standout features identified
Our analysis highlights updated electric and plumbing, outdoor living space, and double lot as key attractions of this home.
Estimated monthly payment
Based on current rates
$1,467/month
Principal & Interest$1,167
Property Tax$225
Insurance$75
Down payment20% ($44,980)
3%50%
Est. 6.75% rate · 30yr fixed · $179,920 loan
Full calculator →At a glance
Key facts and listing details
TypeSingle Family Residence
Year Built1900
HeatingGas, Forced Air
CoolingWindow Unit(s)
Parking1 Garage space
Lot0.45 Acres
Days on Zillow173 Days
Price/sqft$146
Property
Home typeSingle Family
Sub-typeSingle Family Residence
StyleTwo Story
ConditionResale
Year built1900
Stories2
Systems
HeatingGas, Forced Air
CoolingWindow Unit(s)
RoofMetal
ConstructionAluminum Siding, Frame, Wood Siding, PEX Plumbing
Water / SewerConnected, Public / Connected
Parking & Outdoor
ParkingDetached, Garage
Garage1 spaces
BasementFull,Walk-Out Access
FencingPet Fence
Lot0.45 Acres
Location & Tax
Neighborhood13820
Annual tax$4,805
Parcel36120028819149
Bathrooms & Fees
Full baths1
Features & details
12 categories of property features
Interior Features
Interior
Ceiling Fan(s)
Entrance Foyer
Great Room
Kitchen Island
Living/Dining Room
Programmable Thermostat
Appliances
Exhaust Fan
Electric Water Heater
Gas Oven
Gas Range
Microwave
Refrigerator
Range Hood
Flooring
Carpet
Luxury Vinyl
Varies
Vinyl
Heating
Gas
Forced Air
Cooling
Window Unit(s)
Laundry
Main Level
Windows
Thermal Windows
Exterior Features
Exterior
Blacktop Driveway
Enclosed Porch
Porch
Parking
Detached
Garage
Construction
Aluminum Siding
Frame
Wood Siding
PEX Plumbing
Lot Features
Irregular Lot
Near Public Transit
Residential Lot
Wooded
Utilities
Electricity Connected
High Speed Internet Available
Sewer Connected
Water Connected
Listing insights
Market data and value estimates
StatusFor Sale
Days on market173
Tax rate1.65%
Price/sqft$146
On marketOct 4, 2025
PostedOct 5, 2025
Last sold$50,100
MLS statusActive
MLS updatedMar 18, 2026
Tour days9
Views744
Favorites27
How are the schools in Oneonta?
3 schools rated nearby
Location
Oneonta, NY, 13820
Price history
5 events
DateEventPrice$/sqftSource
Feb 24, 2026Listed For Sale$224,900$146NYSAMLSs
Feb 11, 2026Pending Sale$224,900$146NYSAMLSs
Oct 30, 2025Price Change$224,900$146NYSAMLSs
Oct 5, 2025Listed For Sale$249,000$162NYSAMLSs
Dec 9, 2004Sold$50,100$33Agent Provided
Listed For Sale$224,900
Feb 24, 2026•$146/sqft•NYSAMLSs
Pending Sale$224,900
Feb 11, 2026•$146/sqft•NYSAMLSs
Price Change$224,900
Oct 30, 2025•$146/sqft•NYSAMLSs
Listed For Sale$249,000
Oct 5, 2025•$162/sqft•NYSAMLSs
Sold$50,100
Dec 9, 2004•$33/sqft•Agent Provided
Tax history
25 years of records
YearTax paidAssessed value
Mar 27, 2024—$121,000
Mar 27, 2023—$121,000
Mar 27, 2022—$121,000
Mar 27, 2021—$121,000
Mar 27, 2020—$121,000
Mar 27, 2019—$121,000
Mar 27, 2018—$121,000
Mar 27, 2017$3,591$121,000
Mar 27, 2016$2,030$121,000
Mar 27, 2015—$45,000
Mar 27, 2014—$45,000
Mar 27, 2013—$45,000
Mar 27, 2012—$45,000
Mar 27, 2011—$45,000
Mar 27, 2010—$45,000
Mar 27, 2009—$45,000
Mar 27, 2008—$45,000
Mar 27, 2007—$45,000
Mar 27, 2006—$45,000
Mar 27, 2005—$45,000
Mar 27, 2004—$45,000
Mar 27, 2003—$45,000
Mar 27, 2002—$41,300
Mar 27, 2001—$41,300
Mar 27, 2000—$41,300
Nearby homes
Neighborhood details
Local context around this listing
Oneonta, NY • Otsego County
Nearby neighborhoods
West End
Nearby cities
CooperstownDelhiNew BerlinOneontaOtegoRichfield SpringsSidneyUnadilla
Nearby zip codes
138201384613860
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