181 Chestnut St, Oneonta, NY, 13820
About This Home
Bring your vision and your contractor to this single family home. A 2- story, 1200 sq, ft home sits on .36 acre lot that is solid and also livable while making straightforward easy updates. Located in Center-City Oneonta, this 2 bedroom and 1.5 bathroom is conveniently located near all amenities, making it an ideal location. Plenty of off-street parking will greet you at the door. Property is being sold "as is" and inspections will be for buyers knowledge only.
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1900
Materials
- Foundation: Poured
- Roof: Shingle
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Gas Oven,Gas Range,Oil Water Heater,Refrigerator,Washer
Basement
- Has basement: Yes
- Basement: Partial
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- Ceiling Fan(s),Kitchen Island
- Flooring: Carpet,Laminate,Varies
Heating & Cooling
- Heating features: Oil,Other,See Remarks
- Cooling features: Other,See Remarks
Interior Area
- Total structure area: 1,200
- Total interior livable area: 1,200 sqft
Property
Details
- Parcel number: 36120030000500040060000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Exterior features: Dirt Driveway
Lot
- Lot size: 0.36 Acres
- Features: Irregular Lot
- Lot size dimensions: 106 x 140
Parking
- Parking features: No Garage
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
- Strong Wind
- Winter Weather
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 | $429 | $5,148 |
| Home Insurance * | $39 | $468 |
| Property Taxes | $108 | $1,296 |
| Electricity | $246 | $2,954 |
| Total | $822 | $9,864 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-21 | Price change | $84,900 |
| 2026-07-06 | Price change | $89,000 |
| 2026-06-24 | Price change | $99,000 |
| 2026-06-13 | Listed for sale | $109,000 |
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