45 East St, Oneonta, NY, 13820
About This Home
45 East Street is a classic American Foursquare, with a full front covered porch, 1-car garage with 220v electric for your charging station, and rear deck. Inside, there is original spruce/fir woodwork and a comfortable layout, with a dining room window seat. The location is within a mile of school and business district, with Wilber Park a block away. The house needs some cosmetics, but is well worth the investment. First floor half bath, full bath on the second floor. Note that the full value of the assessment is over $197,000, and should be addressed with the town. Seller is related to the listing broker.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1910
Materials
- Foundation: Poured
- Roof: Shingle
- Construction materials: Shake Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Square Design
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Exhaust Fan,Electric Water Heater,Gas Oven,Gas Range,Refrigerator,Range Hood,Washer
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Full
Bedroom1
- Level: Second
Bedroom2
- Level: Second
Bedroom3
- Level: Second
Bedroom4
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Dining Room
- Level: First
Features
- Separate/Formal Dining Room,Entrance Foyer
- Flooring: Carpet,Varies,Vinyl
Heating
- Heating features: Gas,Forced Air
Interior Area
- Total structure area: 1,412
- Total interior livable area: 1,412 sqft
Kitchen
- Level: First
Living Room
- Level: First
Property
Details
- Parcel number: 288.14255
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered,Deck,Porch
- Exterior features: Deck,Fence,Gravel Driveway
- Fencing: Partial
Lot
- Lot size: 3,920 sqft
- Features: Rectangular,Rectangular Lot,Residential Lot
- Lot size dimensions: 60 x 66
Parking
- Total spaces: 1
- Parking features: Detached,Electricity,Garage,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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 | $849 | $10,188 |
| Home Insurance * | $78 | $936 |
| Property Taxes | $215 | $2,580 |
| Electricity | $246 | $2,954 |
| Total | $1,388 | $16,656 |
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 |
|---|---|---|
| 2026-08-18 | Pending sale | $168,000 |
| 2026-07-15 | Listed for sale | $168,000 |
| 2026-07-13 | Pending sale | $168,000 |
| 2026-06-13 | Listed for sale | $168,000 |
| 2020-11-04 | Sold | $139,000 |
| 2020-08-13 | Pending sale | $139,900 |
| 2020-07-29 | Listed for sale | $139,900 |
| 2015-02-06 | Sold | $115,000 |
| 2014-11-06 | Pending sale | $129,000 |
| 2014-10-09 | Listed for sale | $129,000 |
| 2006-05-15 | Sold | $122,000 |
| 2001-04-16 | Sold | $50,000 |
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