91 Main St, Otego, NY, 13820
About This Home
Annual income of over $36,000 per year. This fully occupied 4-unit property is ideally located on Main Street, just minutes from the heart of downtown Oneonta. Tenant's enjoy easy access to the city's shops, restaurants, entertainment, and everyday conveniences, while also being close to both local colleges, making it an attractive location.s. With a strong rental history and all four units currently occupied, this well-maintained investment property offers immediate cash flow and would make an excellent addition to any investor's portfolio.
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1900
Materials
- Roof: Metal,Shingle
- Construction materials: Blown-In Insulation,Frame
Type & Style
- Home type: MultiFamily
- Property subType: Multi Family
Interior
Appliances
- Appliances included: Gas Water Heater
Basement
- Has basement: Yes
- Basement: Dirt Floor,Full
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 4
Features
- Flooring: Hardwood,Varies,Vinyl
Heating & Cooling
- Heating features: Gas,Other,See Remarks,Forced Air
- Cooling features: Other,See Remarks
Interior Area
- Total structure area: 2,400
- Total interior livable area: 2,400 sqft
Property
Details
- Parcel number: 300.5560.1
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
Lot
- Lot size: 6,098 sqft
- Features: Other,Rectangular,Rectangular Lot,See Remarks
- Lot size dimensions: 40 x 155
Parking
- Parking features: Gravel
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
- Cold Wave
- Inland Flooding
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Otsego 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 | $1,309 | $15,708 |
| Home Insurance * | $121 | $1,452 |
| Property Taxes | $332 | $3,984 |
| Electricity | $396 | $4,759 |
| Total | $2,158 | $25,896 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-29 | Listed for sale | $259,000 |
| 2026-07-21 | Listing removed | $282,500 |
| 2026-07-10 | Price change | $282,500 |
| 2026-05-29 | Listed for sale | $295,000 |
| 2026-05-04 | Listing removed | $290,000 |
| 2026-03-04 | Price change | $290,000 |
| 2026-02-04 | Listed for sale | $299,750 |
| 2025-12-21 | Listing removed | $849,000 |
| 2025-12-09 | Price change | $319,750 |
| 2025-10-25 | Price change | $349,000 |
| 2025-09-23 | Price change | $849,000 |
| 2025-09-01 | Listed for sale | $899,000 |
| 2019-06-28 | Sold | $96,000 |
| 2019-03-14 | Pending sale | $124,500 |
| 2018-12-10 | Price change | $124,500 |
| 2018-04-18 | Listed for sale | $129,500 |
| 2016-09-16 | Sold | $60,000 |
| 2015-05-12 | Sold | $139,165 |
| 2003-04-03 | Sold | $105,000 |
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