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117 W Walnut St, Oneida, NY, 13421

4beds
3baths
2,120sqft
$179,900
$85price/sqft
$1,640/moest. monthly cost
$65,600/yrincome needed

About This Home

This well-maintained 3-unit multi-family property is the perfect addition to your portfolio or an ideal start to your real estate investment journey. Currently fully occupied with rents up to date, this building generates over $3,000 per month in gross income—a solid return from day one! The property features two 1-bedroom apartments and one spacious 2-bedroom unit, providing a mix of options for tenants. One apartment has been completely remodeled, and all units are well cared for, making this a low-maintenance, income-producing asset. Opportunities like this don’t last long—secure your next investment and start earning immediately!

Getting Around

68
WalkingSomewhat Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

--
3/10
6/10
Oneida Senior High SchoolGrades 9-120.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1916

Materials

  • Foundation: Block,Stone
  • Roof: Metal
  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Architectural style: Triplex
  • Property subType: Triplex,Multi Family

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Carpet,Hardwood,Varies,Vinyl

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 2,120
  • Total interior livable area: 2,120 sqft

Property

Details

  • Parcel number: 25120103803200020120000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.33 Acres
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 72 x 200

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

  • 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 $909$10,908
Home Insurance *$85$1,020
Property Taxes $296$3,552
Electricity $350$4,204
Total$1,640$19,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,228/yr
40% on housing$49,200/yr
45% on housing$43,733/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

$85This listing

vs Other Active Listings

Avg $/sqft

ZIP 13421$119
Madison County$165

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)

No zestimate history available

Price History

DateEventPrice
2026-04-28Listed for sale$189,900
2026-02-28Listing removed$189,900
2025-11-05Price change$189,900
2025-10-08Price change$199,900
2025-09-15Price change$205,000
2025-08-22Listed for sale$220,000
2024-01-05Sold$144,500
2023-11-29Pending sale$144,500
2023-11-08Contingent$144,500
2023-10-31Listed for sale$144,500
2021-12-05Listing removed--
2021-07-23Price change$139,900
2021-06-07Listed for sale$154,900

For Sale by Agent

AgentAndrew Derminio
BrokeragePine to Palm Realty Group, LLC

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