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7583 State Highway 23, Oneonta, NY, 13820

4beds
2baths
1,660sqft
$99,900
$60price/sqft
$940/moest. monthly cost
$37,600/yrincome needed

About This Home

A true diamond in the rough .... welcome to 7583 state route 23. Located in a desirable area, just minutes away from Cooperstown stadium, find this charming abode just waiting for your very own personal touches. Endless possibilities here as you enter into a bright open foyer with rustic charm, gleaming hardwoods and an open concept layout. Enjoy the expansive living room flowing effortlessly into a bright open kitchen space, complete with newer stainless steel appliances , offering plenty of room for seating guests, making the perfect entertaining space. Find classic charm where you can bring your visions to life. This cozy cape Offers 3 spacious bedrooms on the main floor, updated full bath & possible 4th bedroom upstairs in the finished loft space. Sliders leading outside where Youll love the quiet enjoyment and privacy on this deep wooded lot , as you listen to the soothing sounds of a brambling stream nearby. Find calm serenity with views of nature on the expansive multi level deck, overlooking the deep tranquil backyard & calming stream in the distance. A natural wood lined border gives endless privacy for all your quiet enjoyment and R&R at home. Solid mechanics, exterior upgrades including BRAND NEW full tear off roof (26') Minutes away from downtown shops, local restaurants, Cooperstown stadium and so much more! Don't miss this rare opportunity to make this home yours!

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

4/10
3/10
Oneonta Middle SchoolGrades 6-83.8 mi
6/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1948

Materials

  • Foundation: Block,Poured
  • Construction materials: Aluminum Siding,Attic/Crawl Hatchway(s) Insulated,Blown-In Insulation

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod,Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Exhaust Fan,Freezer,Gas Oven,Gas Range,Gas Water Heater,Microwave,Refrigerator,Range Hood
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Ceiling Fan(s),Dining Area,Living/Dining Room,Sliding Glass Door(s),Skylights,Bedroom on Main Level,Main Level Primary
  • Door features: Sliding Doors
  • Window features: Skylight(s),Thermal Windows
  • Flooring: Hardwood,Varies,Vinyl

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 1,660
  • Total interior livable area: 1,660 sqft

Property

Details

  • Parcel number: 1226000210000001016100
  • Special condition: Standard

Features

  • Patio & porch: Deck
  • Exterior features: Dirt Driveway,Deck,Gravel Driveway,Private Yard,See Remarks
  • Waterfront features: River Access,Stream

Lot

  • Lot size: 0.43 Acres
  • Features: Near Public Transit,Rectangular,Rectangular Lot
  • Lot size dimensions: 123 x 180

Parking

  • Total spaces: 1
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Delaware County and New York

Flood
Hurricane
Severe Storm
Tropical Depression
Tropical Storm

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

MonthlyAnnual
Mortgage $505$6,060
Home Insurance *$46$552
Property Taxes $115$1,380
Electricity $274$3,291
Total$940$11,280
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$32,228/yr
40% on housing$28,200/yr
45% on housing$25,066/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

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.

Insurance Growth Rate5-year average: 3.7%
3.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$60This listing

vs Other Active Listings

Avg $/sqft

ZIP 13820$125
Delaware County$185

vs Homes Sold Last Month

Median $/sqft

ZIP 13820$151
Delaware County$191

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

DateEventPrice
2026-08-11Pending sale$99,900
2026-07-20Listed for sale$99,900
2026-01-02Listing removed$134,900
2025-08-16Price change$134,900
2025-06-26Listed for sale$144,900

For Sale by Agent

AgentAdrienne Lee DeFazio
BrokerageBlue Arrow Real Estate

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