69 Elm St, Oneonta, NY, 13820
About This Home
A rare expression of refined Victorian living, this distinguished Queen Anne residence is a masterclass in historic elegance, architectural depth, and enduring craftsmanship. Rich in original detail, the home offers four bedrooms and three baths, thoughtfully composed to honor its heritage while accommodating modern life. From the moment you enter, soaring ceilings, a gracious dual staircase, and a beautifully proportioned double living room establish an atmosphere of quiet grandeur. Intricate millwork, period details, and subtle architectural nuances reveal themselves at every turn—each a testament to a bygone era when homes were built with intention and artistry. Boasting extremely well maintained & coveted original features. A private office provides a serene retreat for work or reflection, while the flow of formal and informal spaces makes the home equally suited for intimate gatherings or elegant entertaining. A rare three-car garage offers both convenience and discretion—an exceptional feature for a property of this vintage. The fully heated, partially finished lower level expands the entire footprint of the home, featuring a workshop, laundry area, and an additional bath—offering flexibility for creative pursuits, extended living, or future refinement. Warm, storied, and unmistakably authentic, this Queen Anne Victorian is a residence of presence and soul—an exceptional opportunity to steward a home where craftsmanship, character, and comfort endure. 4BD 3BA + 3 Car Garage + Full Basement + Fenced Yard + Corner Lot
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1900
Materials
- Foundation: Stone
- Roof: Shingle
- Construction materials: Frame,Other,Wood Siding,PEX Plumbing
Type & Style
- Home type: SingleFamily
- Architectural style: Craftsman,Historic/Antique,Victorian
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Built-In Refrigerator,Dryer,Dishwasher,Gas Cooktop,Gas Oven,Gas Range,Gas Water Heater,Microwave,Refrigerator,Washer
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Full,Partially Finished
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Features
- Ceiling Fan(s),Den,Entrance Foyer,Separate/Formal Living Room,Galley Kitchen,Granite Counters,Home Office,Storage,Natural Woodwork,Window Treatments,Bedroom on Main Level,Convertible Bedroom,Programmable Thermostat
- Window features: Drapes,Storm Window(s),Wood Frames
- Flooring: Hardwood,Tile,Varies
Heating
- Heating features: Gas,Hot Water,Radiator(s),Steam
Interior Area
- Total structure area: 2,122
- Total interior livable area: 2,122 sqft
Property
Accessibility
- Accessibility features: Accessible Bedroom
Details
- Parcel number: 36120028801800010230000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered,Porch
- Exterior features: Awning(s),Blacktop Driveway,Fence,Propane Tank - Owned
- Fencing: Partial
Lot
- Lot size: 7,840 sqft
- Features: Rectangular,Rectangular Lot
- Lot size dimensions: 60 x 132
Parking
- Total spaces: 3
- Parking features: Detached,Electricity,Garage,Storage,Workshop in Garage,Driveway,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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
- Cold Wave
- Inland Flooding
- Winter Weather
- Lightning
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Otsego 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 | $1,820 | $21,840 |
| Home Insurance * | $168 | $2,016 |
| Property Taxes | $461 | $5,532 |
| Electricity | $350 | $4,208 |
| Total | $2,799 | $33,588 |
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 |
|---|---|---|
| 2026-04-22 | Listed for sale | $399,000 |
| 2026-04-10 | Listing removed | $399,000 |
| 2026-01-24 | Listed for sale | $399,000 |
| 2007-05-15 | Sold | $230,000 |
| 1998-06-12 | Sold | $94,000 |
View on Zillow