7 Spring St, Oneonta, NY, 13820
About This Home
Two Homes, three units, endless possibilities! 7 & 9 Spring Street offer an incredible opportunity for investment, rental income, or multigenerational living. The main house at 7 Spring Street has two apartments: a spacious 3-bedroom, 1-bath unit with laundry on the first floor, and a 2-bedroom (possibly 3), 1-bath unit with laundry upstairs. Behind it, 9 Spring Street is a separate cottage with 2 bedrooms, 1 bath, and flexible living space—ready for a little TLC to reach its full potential. Each unit features its own porch, and the property provides both off-street and on-street parking. The duplex currently brings in $2600 a month, consider the income potential with the back house being rented - this could be $4000+ a month! Conveniently located within walking distance to downtown, amenities, and the bus stop, this property is a rare find. Live in one and rent the others, rent all three, or create the perfect setup for extended family. The possibilities are endless!!!
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1920
Materials
- Roof: Architectural,Shingle
- Construction materials: Stone
Type & Style
- Home type: MultiFamily
- Property subType: Multi Family
Interior
Appliances
- Appliances included: Electric Water Heater
- Laundry features: Washer Hookup
Basement
- Basement: Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 7
- Bathrooms: 3
- Full bathrooms: 3
Features
- Ceiling Fan(s),Natural Woodwork
- Flooring: Ceramic Tile,Hardwood,Laminate,Varies,Vinyl
Heating
- Heating features: Gas,Steam
Interior Area
- Total structure area: 1,794
- Total interior livable area: 1,794 sqft
Property
Details
- Parcel number: 361.5425
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck
- Exterior features: Deck
Lot
- Lot size: 6,098 sqft
- Features: Rectangular,Rectangular Lot,Residential Lot
- Lot size dimensions: 54 x 148
Parking
- Parking features: On Street,Two or More Spaces
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 | $1,137 | $13,644 |
| Home Insurance * | $105 | $1,260 |
| Property Taxes | $288 | $3,456 |
| Electricity | $296 | $3,557 |
| Total | $1,826 | $21,912 |
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 |
|---|---|---|
| 2026-05-10 | Listed for sale | $230,000 |
| 2026-05-01 | Listing removed | $230,000 |
| 2026-04-15 | Price change | $230,000 |
| 2026-03-17 | Price change | $240,000 |
| 2026-01-30 | Listed for sale | $250,000 |
| 2026-01-14 | Contingent | $250,000 |
| 2025-12-08 | Listed for sale | $250,000 |
| 2025-11-11 | Contingent | $250,000 |
| 2025-08-18 | Listed for sale | $250,000 |
| 2024-12-05 | Sold | $225,000 |
| 2024-03-08 | Pending sale | $225,000 |
| 2024-01-30 | Listed for sale | $225,000 |
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