About This Home

This 4-bedroom, 3-bathroom single family at 45 Elm Street in Oneonta, NY is listed for $399,500 ($149 per sqft). Built in 1920, the home offers 2,678 sqft of living space on a 0.17 acres lot.

Key Features

  • Built in 1920
  • 0.17 acre lot
  • 3 parking spaces
  • Fireplace

Property Details

3 full
1-car garage
1920

Amenities

FireplaceHardwood
Listing Description

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.

Monthly Cost Estimate

$2,137/mo

20% down · 6.5% · 30 years

Principal$289
Interest$1,731
Insurance$117

Estimates only. Actual payments may vary.

Location

45 Elm Street

Oneonta, NY 13820

Features & Amenities

Interior Features

Eat-in Kitchen

Exterior Features

Drive-PavedLighting

Property Details

Flooring

HardwoodLaminateTile

Construction

Wood Siding

Outdoor Features

DeckPorch

Heating

Forced AirNatural Gas

Appliances

MicrowaveRangeRefrigeratorWasher/Dryer

Questions & Answers

This 4-bedroom, 3-bathroom single family at 45 Elm Street is listed at $399,500 ($149/sqft). The estimated monthly payment is $2,137 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1920, 0.17 acre lot, 3 parking spaces, Fireplace. Interior Features: Eat-in Kitchen. Exterior Features: Drive-Paved, Lighting.

This property is listed by Dun Zhuo Zheng.

DZ

Dun Zhuo Zheng

License 10401235201

Agent at Brokers Network Real Estate

Listed by Brokers Network Real Estate · Broker phone: (518) 952-0665 · View on Broker Site

MLS# 202628896· Source: Global MLS, Inc.· 4 days on PropertySimple

Copyright © 2026 Global MLS, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

45 Elm Street, Oneonta, NY 13820

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