328 Elizabeth St, Oneida, NY, 13421
About This Home
Excellent investment opportunity or owner occupied property in the City of Oneida. This well maintained Two Family home features separate utilities and spacious living areas in both units. Long term tenants - 25+ years! The first floor apartment offers a welcoming foyer, bright living room and dining room - all with hardwood floors, a kitchen with oak cabinetry, two bedrooms, a full bath and a convenient laundry room. The second floor apartment features a living room and dining room with hardwood floors, a kitchen with wood cabinets, two bedrooms, a full bath and a rear porch with laundry hookups. Additional highlights include a walk-up attic providing ample storage or potential for future use, separate utilities for each unit, and a convenient location close to shopping, schools, parks and other local amenities. Whether you're looking to expand your investment portfolio or offset your mortgage with rental income, this versatile Two Family property is worth a look.
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1915
Materials
- Foundation: Stone
- Roof: Asphalt
- Construction materials: Aluminum Siding
Type & Style
- Home type: MultiFamily
- Architectural style: Duplex
- Property subType: Duplex,Multi Family
Interior
Appliances
- Appliances included: Gas Water Heater
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Features
- Flooring: Tile,Varies
Heating
- Heating features: Gas,Forced Air
Interior Area
- Total structure area: 2,076
- Total interior livable area: 2,076 sqft
Property
Details
- Parcel number: 25120103802400020510000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
Lot
- Lot size: 4,791 sqft
- Features: Rectangular,Rectangular Lot,Residential Lot
- Lot size dimensions: 63 x 69
Parking
- Parking features: Paved
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Inland Flooding
- Ice Storm
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Madison County and New York
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $909 | $10,908 |
| Home Insurance * | $85 | $1,020 |
| Property Taxes | $296 | $3,552 |
| Electricity | $343 | $4,116 |
| Total | $1,633 | $19,596 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-22 | Listed for sale | $179,900 |
| 2018-03-26 | Sold | $110,900 |
View on Zillow