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546 Stone St, Oneida, NY, 13421

3beds
2baths
1,542sqft
$228,900
$148price/sqft
$1,896/moest. monthly cost
$75,840/yrincome needed

About This Home

Newly remodeled 3 BR 1.5 BA colonial. Bright, stylish updates. Turnkey colonial with all-new finishes. Fresh and move in ready.

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

3/10
Seneca Street SchoolGrades K-50.5 mi
3/10
6/10
Oneida Senior High SchoolGrades 9-120.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Foundation: Block
  • Roof: Flat
  • Construction materials: Aluminum Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Free-Standing Range,Gas Oven,Gas Range,Gas Water Heater,Oven,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Separate/Formal Dining Room,Eat-in Kitchen,Separate/Formal Living Room,Natural Woodwork,Bedroom on Main Level
  • Window features: Thermal Windows
  • Flooring: Carpet,Laminate,Varies,Vinyl

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 1,542
  • Total interior livable area: 1,542 sqft

Property

Details

  • Parcel number: 25120103803000010060010000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Open,Porch
  • Exterior features: Blacktop Driveway,Enclosed Porch,Porch

Lot

  • Lot size: 8,712 sqft
  • Features: Corner Lot,Irregular Lot,Residential Lot
  • Lot size dimensions: 53 x 167

Parking

  • Total spaces: 1
  • Parking features: Detached,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
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather
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 $1,157$13,884
Home Insurance *$108$1,296
Property Taxes $377$4,524
Electricity $254$3,057
Total$1,896$22,752
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,005/yr
40% on housing$56,880/yr
45% on housing$50,560/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

$148This listing

vs Other Active Listings

Avg $/sqft

ZIP 13421$115
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
2026-04-07Price change$228,900
2026-01-21Listed for sale$229,900
2025-10-06Sold$67,936
2006-09-20Sold$80,000
2000-12-18Sold$69,900

For Sale by Agent

AgentJennie Chapin
BrokerageChapin Real Estate

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