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About This Home

This 4-bedroom, 2-bathroom single family at 86 Elm St in Oneonta, NY is listed for $230,000 ($111 per sqft). Built in 1900, the home offers 2,070 sqft of living space on a 0.29 acres lot.

Agent Description

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.

Key Features

  • Built in 1900
  • 0.29 acre lot
  • 2 stories

Property Details

2 stories
2 full
1900

Amenities

HardwoodBasement

Monthly Cost Estimate

$1,230/mo

20% down · 6.5% · 30 years

Principal$166
Interest$997
Insurance$67

Estimates only. Actual payments may vary.

Location

86 Elm St

Oneonta, NY 13820

Property Details

Flooring

HardwoodTileVinyl

Construction

CedarClapboardWood Siding

Parking

GarageGarage - Detached

Heating

Forced AirNatural Gas

Appliances

Refrigerator

Questions & Answers

This 4-bedroom, 2-bathroom single family at 86 Elm St is listed at $230,000 ($111/sqft). The estimated monthly payment is $997 based on 20% down at 6.5% interest.

Key features include: Built in 1900, 0.29 acre lot, 2 stories.

This property is listed by Susan Barnett and can be reached at 6072300095 or upstatecountryrealty@gmail.com.

SB

Susan Barnett

Agent at UPSTATE COUNTRY REALTY

(607) 230-0095

Listed by UPSTATE COUNTRY REALTY · View on Broker Site

MLS# 11676592· Source: listhub· Updated 73 days ago

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

86 Elm St, Oneonta, NY 13820

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