447 Stone St, Oneida, NY, 13421
About This Home
Affordable Oneida City Starter Home! Offers 3 bedrooms, full bath, living room, formal dining room, entry foyer with beautiful natural staircase & classic woodwork on the main level. You will love the bonus room on the third floor for a cozy family room or potential guest room with its own stairway. There's a front & back covered porches to enjoy, large back yard with shade from a lovely maple tree & a home-made round concrete stave pool that has not been used in many years, but much of the equipment is still there, if you are handy. This home can certainly be lived in like it is & add your own style & as you can afford to. Homes in this price range don't last long, call today for more information & to set up a showing.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1900
Materials
- Foundation: Block
- Roof: Architectural,Metal,Shingle
- Construction materials: Wood Siding,Copper Plumbing,PEX Plumbing
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial,Farmhouse,Historic/Antique,Two Story
- Property subType: Farm,Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Free-Standing Range,Gas Water Heater,Oven,Refrigerator,Washer
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 1
- Full bathrooms: 1
Features
- Attic,Breakfast Bar,Ceiling Fan(s),Separate/Formal Dining Room,Entrance Foyer,Country Kitchen,Sliding Glass Door(s),Window Treatments
- Door features: Sliding Doors
- Window features: Drapes,Leaded Glass,Thermal Windows
- Flooring: Carpet,Varies,Vinyl
Heating
- Heating features: Gas,Forced Air
Interior Area
- Total structure area: 1,456
- Total interior livable area: 1,456 sqft
Property
Details
- Parcel number: 25120103803000020020000000
- Special condition: Trust
Features
- Pool features: In Ground
- Patio & porch: Covered,Deck,Porch
- Exterior features: Blacktop Driveway,Deck,Pool,Private Yard,See Remarks
Lot
- Lot size: 8,276 sqft
- Features: Rectangular,Rectangular Lot,Residential Lot
- Lot size dimensions: 60 x 137
Parking
- Total spaces: 2
- Parking features: Carport
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Carport: Yes
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
- Lightning
- Winter Weather
- Cold Wave
- Ice Storm
- Strong Wind
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 | $707 | $8,484 |
| Home Insurance * | $66 | $792 |
| Property Taxes | $230 | $2,760 |
| Electricity | $246 | $2,954 |
| Total | $1,249 | $14,988 |
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 |
|---|---|---|
| 2026-08-07 | Contingent | $139,900 |
| 2026-07-25 | Listed for sale | $139,900 |
View on Zillow