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      Property at 86 Elm St, Oneonta, NY 13820
      ACTIVE
      $15,000
      $230,000

      86 Elm StOneonta, NY, 13820

      4 Beds2 Baths0.29 Acres
      Motivated seller - big price adjustment. Old house charm with income options on a tree lined street just a short walk to downtown or the colleges. This lovely, friendly old home has sheltered a family and also welcomed students - it works well either way. The colorful exterior paint hints at the character you'll find inside. The staircase will wow you, but there's even more to love. Space and light are the stars here, along with high ceilings, vintage bullseye molding and pocket doors. The floor plan wanders upstairs, with three bedrooms to the front and a series of rooms off the back stairs, as well as a charming sleeping porch. Downstairs, there are covered porches to the front and rear, and a sun room that would be paradise for plant lovers. There's a redwood deck off the kitchen for sunny breakfasts and evening barbecues. Current owners have updated the kitchen, updated the bathrooms, and carefully maintained the systems in the straight, dry basement. The two story historic carriage house is in solid shape, confirmed by an engineer when sellers bought just a few years ago. They have had success with respectful students, and this summer can be your chance to decide what 86 Elm will be next. This house isn't a huge project. Cosmetics are needed and it's priced accordingly. This house is selling as is, it's been through an inspection and there were no huge red flags, and we're feeling just a bit envious of whoever gets to call it their home.
      1 / 40

      Est. Monthly

      $1,090/mo

      $230,000
      $15,000

      86 Elm St, Oneonta, NY

      4 Beds2 Baths0.29 Acres

      Motivated seller - big price adjustment. Old house charm with income options on a tree lined street just a short walk to downtown or the colleges. This lovely, friendly old home has sheltered a family and also welcomed students - it works well either way. The colorful exterior paint hints at the character you'll find inside. The staircase will wow you, but there's even more to love. Space and light are the stars here, along with high ceilings, vintage bullseye molding and pocket doors. The floor plan wanders upstairs, with three bedrooms to the front and a series of rooms off the back stairs, as well as a charming sleeping porch. Downstairs, there are covered porches to the front and rear, and a sun room that would be paradise for plant lovers. There's a redwood deck off the kitchen for sunny breakfasts and evening barbecues. Current owners have updated the kitchen, updated the bathrooms, and carefully maintained the systems in the straight, dry basement. The two story historic carriage house is in solid shape, confirmed by an engineer when sellers bought just a few years ago. They have had success with respectful students, and this summer can be your chance to decide what 86 Elm will be next. This house isn't a huge project. Cosmetics are needed and it's priced accordingly. This house is selling as is, it's been through an inspection and there were no huge red flags, and we're feeling just a bit envious of whoever gets to call it their home.

      StatusActive
      Property TypeResidential
      Property Subtype—
      Year Built1900
      Days on Market59 days

      Est. Monthly Payment

      $1,090.19

      %
      %
      yr

      Private Mortgage Insurance

      Not required

      Affordability Checkoptional
      $

      Enter your annual income to check affordability

      Property Details

      Property Information

      86 Elm St

      Oneonta, NY 13820 • Otsego
      4
      Beds
      2
      Baths
      —
      SqFt
      0.29
      Acres
      Status
      Active
      Property Type
      Residential
      Property Subtype
      —
      Year Built
      1900126 years ago
      Days on Market
      59 days
      Tax History
      Estimated values, may not reflect current amounts.
      • Annual Tax Amount
        $5,932
      Property History
      • Price reduced
        May 14, 2026 • NY State MLS • 11676592
        $245,000 → $230,000
      • Listed for sale
        Mar 19, 2026 • NY State MLS • 11676592
        $245,000
      Mortgage Calculator
      Estimated monthly payment for this property
      $1,090.19
      Down Payment
      Interest Rate
      Loan Term
      %
      %
      yearsyrs.
      Affordability Checkoptional
      $

      Enter your annual income to see if this home fits your budget

      Private Mortgage Insurance

      Not required — down payment above 20%
      MLS Information
      • Source
        NY State MLS
      • MLS#
        11676592
      • Listing Office
        UPSTATE COUNTRY REALTY
      • Last Updated
        3 days ago

      Appliances

      • Appliances
        • Range
        • Refrigerator

      Climate & Systems

      • Heating
        • Forced Air
        • Natural Gas

      Interior Features

      • Flooring
        • Vinyl
        • Tile
        • Hardwood
      • Basement
        • Walk-Out Access
        • Unfinished

      Parking

      • Parking Features
        Driveway
      • Garage Spaces
        1

      Lot & Grounds

      • Lot Size
        0.29 acres
      • View
        Street
      • Patio & Porch
        • Deck
        • Covered

      Type

      • Property Type
        Residential

      Structure

      • Construction
        • Wood Siding
        • Cedar
      • Roof
        Asphalt

      Condition

      • Year Built
        1900
      • Days on Market
        59 days
      • Water
        Public (WaterSource)
      • Sewer
        Other

      607-282-6242, (607) 282-6242, or +1 607 282 6242

      Kevin Lucero

      Kevin Lucero

      Lic. Real Estate Salesperson

      CallEmail
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