# 516 Main Street #514, Oneonta, NY 13820

> **TL;DR:** 10bd/0ba residential multi family, $369,900 ($62/sqft), built 1975, 6,000 sqft. Est. $1,978/mo. Listed 60 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $369,900 |
| Price/sqft | $62 |
| Bedrooms | 10 |
| Square Feet | 6,000 |
| Year Built | 1975 |
| Lot Size | 5,227 sqft (0.12 acres) |
| Stories | 2 |
| Property Type | Residential Multi Family (Other) |
| Status | Active |
| Days on Market | 60 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,870 |
| Estimated Insurance | $108 |
| **Total** | **$1,978** |

## Property Highlights

- Built in 1975
- 0.12 acre lot
- 2 stories

## Description

### Agent Description
I wanted to share the details on this wonderful 5-unit apartment building! It features five cozy 2-bedroom apartments, each with separate utilities, eat-in kitchens, included appliances, and lovely outdoor spaces like a covered deck and side porch. Tenants handle paying their own utilities with 5 dedicated hot water heaters, 5 heating units, and separate electric panels. There is great potential to increase the current rental income, which is at $1,600 monthly ($19,200 yearly) from two occupied units at $850 and $750. The vacant units are fully move-in ready, as the seller thoughtfully kept them open while the building is for sale. The building has a durable metal roof, mostly vinyl replacement windows, off-street parking, and an over sized 2-car garage with an opener. Plus, it's in a fantastic location on the bus route, close to downtown, the hospital, and the local elementary school.

## Location

- **Address:** 516 Main Street #514, Oneonta, NY 13820
- **County:** Otsego
- **Coordinates:** 42.45672, -75.04251
- **Google Maps:** https://www.google.com/maps?q=42.45672,-75.04251

## Listing Agent

- **Name:** Christine Keto · **License:** 30KE1019431
- **Brokerage:** Oneonta Realty, LLC
- **Broker Phone:** (607) 441-7312
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/516-Main-St-514_Oneonta_NY_13820_M93857-51898?f=listhub&s=BNARNY&m=R1711925&c=propsimple)

## Photos

![516 Main Street #514 - Photo 1](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f3907100259r.jpg)

![516 Main Street #514 - Photo 2](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f4075006246r.jpg)

![516 Main Street #514 - Photo 3](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f3243540295r.jpg)

![516 Main Street #514 - Photo 4](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f1155094037r.jpg)

![516 Main Street #514 - Photo 5](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f3268754426r.jpg)

![516 Main Street #514 - Photo 6](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f1702917874r.jpg)

![516 Main Street #514 - Photo 7](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f2143418940r.jpg)

![516 Main Street #514 - Photo 8](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f3703091553r.jpg)

![516 Main Street #514 - Photo 9](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f784717601r.jpg)

![516 Main Street #514 - Photo 10](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f3660003437r.jpg)

![516 Main Street #514 - Photo 11](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f1791031743r.jpg)

![516 Main Street #514 - Photo 12](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f3899111256r.jpg)

![516 Main Street #514 - Photo 13](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f2255365361r.jpg)

![516 Main Street #514 - Photo 14](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f1493683354r.jpg)

![516 Main Street #514 - Photo 15](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f584201514r.jpg)

![516 Main Street #514 - Photo 16](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f184596486r.jpg)

![516 Main Street #514 - Photo 17](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f2836181329r.jpg)

![516 Main Street #514 - Photo 18](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f3339618798r.jpg)

![516 Main Street #514 - Photo 19](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f3319793661r.jpg)

![516 Main Street #514 - Photo 20](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f516418416r.jpg)

![516 Main Street #514 - Photo 21](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f1048654292r.jpg)

![516 Main Street #514 - Photo 22](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f3758794525r.jpg)

![516 Main Street #514 - Photo 23](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f1245593798r.jpg)

![516 Main Street #514 - Photo 24](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f3431938271r.jpg)

![516 Main Street #514 - Photo 25](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f659530857r.jpg)

![516 Main Street #514 - Photo 26](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f430363412r.jpg)

![516 Main Street #514 - Photo 27](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f1862480625r.jpg)

![516 Main Street #514 - Photo 28](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f2083574041r.jpg)

![516 Main Street #514 - Photo 29](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f4157003213r.jpg)

![516 Main Street #514 - Photo 30](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f3902463562r.jpg)

![516 Main Street #514 - Photo 31](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f4162134647r.jpg)

![516 Main Street #514 - Photo 32](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f47222656r.jpg)

![516 Main Street #514 - Photo 33](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f1586519884r.jpg)

![516 Main Street #514 - Photo 34](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f1830781590r.jpg)

![516 Main Street #514 - Photo 35](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f1644913212r.jpg)

![516 Main Street #514 - Photo 36](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f2148634269r.jpg)

![516 Main Street #514 - Photo 37](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f2602117218r.jpg)

![516 Main Street #514 - Photo 38](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f918898693r.jpg)

![516 Main Street #514 - Photo 39](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f1780570042r.jpg)

![516 Main Street #514 - Photo 40](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f2252824405r.jpg)

![516 Main Street #514 - Photo 41](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f1252374939r.jpg)

![516 Main Street #514 - Photo 42](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f410119109r.jpg)

![516 Main Street #514 - Photo 43](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f757802498r.jpg)

![516 Main Street #514 - Photo 44](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f3799716631r.jpg)

![516 Main Street #514 - Photo 45](http://lh.rdcpix.com/1d0e4ad2a228fe99105eacc5489494c1l-f232778794r.jpg)

---

**MLS#:** R1711925 | **Updated:** 2026-10-30
**Source:** listhub

*Copyright © 2026 New York State Alliance of MLSs, LLC. 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/516-main-street-oneonta-ny-13820-d811c365db9c4540b71025940e1a94c4)

---

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      {
        "@type": "LocationFeatureSpecification",
        "name": "Heating",
        "value": "Electric (Heating), Natural Gas, Forced Air"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Appliances",
        "value": "Dishwasher, ElectricOven, ElectricRange, ElectricWaterHeater, GasOven, GasRange, GasWaterHeater, Microwave, Refrigerator"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Flooring",
        "value": "Varies, Carpet, Vinyl, Tile"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Construction Materials",
        "value": "Stucco,  VinylSiding"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Pool Features",
        "value": "Porch, Deck"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Parking Features",
        "value": "Open"
      }
    ],
    "additionalProperty": [
      {
        "@type": "PropertyValue",
        "name": "Lot Size",
        "value": "0.12 acres"
      },
      {
        "@type": "PropertyValue",
        "name": "Stories",
        "value": 2
      },
      {
        "@type": "PropertyValue",
        "name": "Unit Number",
        "value": "514"
      },
      {
        "@type": "PropertyValue",
        "name": "Property Subtype",
        "value": "Other"
      }
    ]
  },
  "offers": {
    "@type": "Offer",
    "@id": "https://staging.propertysimple.ai/listing/516-main-street-oneonta-ny-13820-d811c365db9c4540b71025940e1a94c4#offer",
    "url": "https://staging.propertysimple.ai/listing/516-main-street-oneonta-ny-13820-d811c365db9c4540b71025940e1a94c4",
    "price": 369900,
    "priceCurrency": "USD",
    "businessFunction": "http://purl.org/goodrelations/v1#Sell",
    "availability": "https://schema.org/InStock",
    "seller": {
      "@id": "https://staging.propertysimple.ai/listing/516-main-street-oneonta-ny-13820-d811c365db9c4540b71025940e1a94c4#agent"
    }
  },
  "provider": {
    "@type": "Person",
    "@id": "https://staging.propertysimple.ai/listing/516-main-street-oneonta-ny-13820-d811c365db9c4540b71025940e1a94c4#agent",
    "name": "Christine Keto",
    "worksFor": {
      "@type": "Organization",
      "@id": "https://staging.propertysimple.ai/listing/516-main-street-oneonta-ny-13820-d811c365db9c4540b71025940e1a94c4#brokerage",
      "name": "Oneonta Realty, LLC",
      "telephone": "(607) 441-7312"
    }
  }
}
```