# 45 Elm Street, Oneonta, NY 13820

> **TL;DR:** 4bd/3ba single family, $399,500 ($149/sqft), built 1920, 2,678 sqft.
> Fireplace, Hardwood, 1-car garage. Est. $2,137/mo. Listed 5 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $399,500 |
| Price/sqft | $149 |
| Bedrooms | 4 |
| Bathrooms | 3 full |
| Square Feet | 2,678 |
| Year Built | 1920 |
| Lot Size | 7,405 sqft (0.17 acres) |
| Garage | 1-car |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 5 |

## Why This Home Stands Out

- **Hardwood Floors** - Hardwood flooring listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $2,020 |
| Estimated Insurance | $117 |
| **Total** | **$2,137** |

## Key Amenities

- Fireplace
- Hardwood
- 1-car garage

## Property Highlights

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

## Description

### Agent 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.

## Location

- **Address:** 45 Elm Street, Oneonta, NY 13820
- **County:** Otsego
- **Coordinates:** 42.458996, -75.060824
- **Google Maps:** https://www.google.com/maps?q=42.458996,-75.060824

## Virtual Tour & Media

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

## Listing Agent

- **Name:** Dun Zhuo Zheng · **License:** 10401235201
- **Brokerage:** Brokers Network Real Estate
- **Broker Phone:** (518) 952-0665
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/45-Elm-St_Oneonta_NY_13820_M32996-54532?f=listhub&s=CRMLSNY&m=202628896&c=propsimple)

## Photos

![45 Elm Street - Photo 1](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f2685149438r.jpg)

![45 Elm Street - Photo 2](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f2989208257r.jpg)

![45 Elm Street - Photo 3](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f2525920903r.jpg)

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![45 Elm Street - Photo 5](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f3293729090r.jpg)

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![45 Elm Street - Photo 34](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f471428816r.jpg)

![45 Elm Street - Photo 35](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f3575043750r.jpg)

![45 Elm Street - Photo 36](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f3332436273r.jpg)

![45 Elm Street - Photo 37](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f1411913244r.jpg)

![45 Elm Street - Photo 38](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f1685834959r.jpg)

![45 Elm Street - Photo 39](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f2621226522r.jpg)

![45 Elm Street - Photo 40](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f4099232557r.jpg)

![45 Elm Street - Photo 41](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f2695704789r.jpg)

![45 Elm Street - Photo 42](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f2353720462r.jpg)

![45 Elm Street - Photo 43](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f3478417627r.jpg)

![45 Elm Street - Photo 44](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f909042589r.jpg)

![45 Elm Street - Photo 45](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f2277964847r.jpg)

![45 Elm Street - Photo 46](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f1500243539r.jpg)

![45 Elm Street - Photo 47](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f2217291725r.jpg)

![45 Elm Street - Photo 48](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f2257506218r.jpg)

![45 Elm Street - Photo 49](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f150862238r.jpg)

![45 Elm Street - Photo 50](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f2299458743r.jpg)

![45 Elm Street - Photo 51](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f2003495554r.jpg)

![45 Elm Street - Photo 52](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f4225768719r.jpg)

![45 Elm Street - Photo 53](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f1012265892r.jpg)

![45 Elm Street - Photo 54](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f9539232r.jpg)

![45 Elm Street - Photo 55](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f2412439064r.jpg)

![45 Elm Street - Photo 56](http://lh.rdcpix.com/4b1c499abad3d6aa74cec81deeabdf5dl-f1976370427r.jpg)

---

**MLS#:** 202628896 | **Updated:** 2026-10-25
**Source:** listhub

*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.*

[View on PropertySimple](https://staging.propertysimple.ai/listing/45-elm-street-oneonta-ny-13820-09587b6db4f7423dbd1cd0ae5f0409a2)

---

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