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156 River St, Oneonta, NY, 13820

4beds
2baths
1,768sqft
$240,000
$136price/sqft
$1,925/moest. monthly cost
$77,000/yrincome needed

About This Home

This spacious home has plenty of room for all! The main entrance is brightly lit south facing home. This generous entry is a bonus room leading to the living room. Open flow to the dining room, to the kitchen and another sunlit south facing room. Additional living area with double doors lead to side deck and fully fenced yard for the pets. The laundry area is tucked away there with plenty of other closet space on main floor. Just off the kitchen is the main floor bedroom with full bath. The kitchen is expansive with plenty of counter space, cabinet space and pantry storage. Three bedrooms upstairs with full bath make for plenty of room for all! A finished room in the basement can be great for home office, crafts, work out room or your special needs. The back entry has a covered deck for your entertaining needs or just enjoy the outdoors while under cover. The generous back yard is 3/4 fenced for activities or gardens with an additional shed for outdoor storage. Plenty of parking for the growing family or guests with a 2 stall garage with separate spacious workshop with heat, electric and side entry. Easy access to I 88, just down the street from Southside and easy access to schools, parks, shopping and more. Sixth Ward proudly hosts the Boys & Girls Club, Scrambling Ave park, Riverside Elementary School, Day Cares galore and walking distance to great local restaurants and Main St. A new furnace, water heater and back new porch roof. 2021 new flooring in areas. Radon already in place and running. 2004 50 year roof. This home is waiting for you!

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
51
BikeBikeable

Schools

5/10
5/10
Oneonta Middle SchoolGrades 6-82.2 mi
5/10
Oneonta Senior High SchoolGrades 6,9-122.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1940

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Attic/Crawl Hatchway(s) Insulated,Foam Insulation,Vinyl Siding,PEX Plumbing

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow,Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Exhaust Fan,Gas Water Heater,Microwave,Refrigerator,Range Hood,See Remarks,Washer
  • Laundry features: Accessible Utilities or Laundry,Main Level

Basement

  • Has basement: Yes
  • Basement: Partial,Partially Finished

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Den,Separate/Formal Dining Room,Separate/Formal Living Room,Kitchen Island,Pantry,Natural Woodwork,Convertible Bedroom,Bath in Primary Bedroom,Main Level Primary,Primary Suite,Workshop
  • Flooring: Laminate,Other,See Remarks,Tile,Varies,Vinyl

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 1,768
  • Total interior livable area: 1,768 sqft

Property

Accessibility

  • Accessibility features: Low Threshold Shower

Details

  • Parcel number: 36120029901600010350000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Deck,Porch
  • Exterior features: Blacktop Driveway,Deck,Fully Fenced,Fence,Private Yard,See Remarks
  • Fencing: Full,Partial

Lot

  • Lot size: 0.33 Acres
  • Features: Near Public Transit,Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 87 x 220

Parking

  • Total spaces: 2
  • Parking features: Detached,Electricity,Garage,Heated Garage,Storage,Workshop in Garage,Driveway,Garage Door Opener,Other
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Winter Weather

FEMA Declared Disasters in Otsego 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 $1,213$14,556
Home Insurance *$112$1,344
Property Taxes $308$3,696
Electricity $292$3,506
Total$1,925$23,100
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,000/yr
40% on housing$57,750/yr
45% on housing$51,333/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: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$136This listing

vs Other Active Listings

Avg $/sqft

ZIP 13820$121
Otsego County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 13820$151
Otsego County$153

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
2026-04-21Price change$250,000
2026-03-26Price change$251,000
2025-11-06Listed for sale$260,000
2018-08-08Sold$162,500
2018-06-22Pending sale$169,900
2018-05-22Listed for sale$169,900
2015-10-03Listing removed$167,500
2015-08-27Price change$167,500
2015-07-31Price change$174,900
2015-03-06Listed for sale$179,900
2000-03-03Sold$69,000

For Sale by Agent

AgentKathleen F. Jalowiec-Stanton
BrokerageHoward Hanna

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