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317 Broad St, Oneida, NY, 13421

4beds
2baths
2,512sqft
$319,900
$127price/sqft
$2,711/moest. monthly cost
$108,440/yrincome needed

About This Home

Big Beautiful Colonial with all new full INSULATAION (at a time when Heat and Electric in NY is expensive). This exceptional home was stripped to the rafters and completely rebuilt. NEW is the word!! You are invited to come see it and enjoy the workmanship. Floors are just beautiful. A lot of care went into preserving them. NEW electricity. NEW Kitchen and appliances. Many new windows, some preserved. Laundry is in the Upstairs Bath plus 3 big bedrooms and a full walk up attic. I invite you to view this property. Lots of parking at the rear of the home.

Getting Around

73
WalkingVery Walkable
0
TransitVery Limited Transit
52
BikeBikeable

Schools

3/10
Seneca Street SchoolGrades K-50.3 mi
3/10
6/10
Oneida Senior High SchoolGrades 9-120.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Foundation: Stone
  • Roof: Metal,Pitched,Shingle
  • Construction materials: Brick,Fiber Cement,Other,See Remarks,PEX Plumbing

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial,Other,Two Story,See Remarks
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Range,Built-In Oven,Dishwasher,Freezer,Gas Water Heater,Refrigerator
  • Laundry features: Upper Level

Basement

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

Bedrooms & Bathrooms

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

Features

  • Separate/Formal Dining Room,Separate/Formal Living Room,Galley Kitchen,Other,See Remarks,Bedroom on Main Level,Bath in Primary Bedroom,Main Level Primary,Programmable Thermostat
  • Flooring: Hardwood,Laminate,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 2,512
  • Total interior livable area: 2,512 sqft

Property

Details

  • Parcel number: 25120103802400020100000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Gravel Driveway

Lot

  • Lot size: 9,147 sqft
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 60 x 153

Parking

  • Parking features: No Garage

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 FloodingVery High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather
Cold Wave
Ice Storm
Strong Wind

FEMA Declared Disasters in Madison County and New York

Flood
Severe 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 $1,617$19,404
Home Insurance *$152$1,824
Property Taxes $527$6,324
Electricity $415$4,981
Total$2,711$32,532
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,948/yr
40% on housing$81,330/yr
45% on housing$72,293/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: 4.8%
4.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$127This listing

vs Other Active Listings

Avg $/sqft

ZIP 13421$117
Madison County$164

vs Homes Sold Last Month

Median $/sqft

ZIP 13421$144
Madison County$180

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

DateEventPrice
2026-05-11Price change$319,900
2026-03-16Listed for sale$329,900
2026-01-01Listing removed$359,000
2025-11-10Listed for sale$359,000
2025-09-04Listing removed$375,900
2025-08-03Price change$375,900
2025-07-14Price change$397,900
2025-06-05Price change$425,900
2025-05-12Price change$449,900
2025-05-06Listed for sale$474,900
2025-04-09Listing removed--
2025-01-09Listed for sale$500,000
2020-09-14Sold$25,000
2002-08-21Sold$70,000

For Sale by Agent

AgentRichard Stanton
BrokerageDick Stanton Real Estate

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