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$279,000
38 Days On Site

20 Otsego Street
Oneonta, NY 13820

For Sale|Multi Family|Active
7
Beds
3
Total Baths
3
Full Baths
2,669
SqFt
$105
/SqFt
1900
Built
County:
Otsego
Listing courtesy of Rebecca Ryan of Oneonta Realty LLC rebeccaryanupstate@gmail.com
Call Now: (585) 455-5866
Is this the listing for you? We can help make it yours.
(585) 455-5866
20 otsego street20 otsego street20 otsego street20 otsego street
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Monthly Payment (Est.)

$1,273
Calculator powered by Showcase IDX, a Constellation1 Company. Copyright ©2026 Information is deemed reliable but not guaranteed.

Why buy one house when you can buy two?? Located in the heart of center-city Oneonta on Otsego Street, this unique multi-parcel property offers two separate homes on two tax lots with a shared driveway, just moments from Main Street, local shops, restaurants, and the SUNY/Hartwick corridor. The front residence is a spacious 5-bedroom, 1-bath home featuring classic curb appeal with a cedar shake exterior and newer metal roof, offering strong exterior maintenance and long-term durability. The rear structure is a cozy 2-bedroom, 1-bath home with vinyl siding and its own private feel, positioned behind the main house for added separation and flexibility. Together, the property presents multiple pathways for use - ideal for owner-occupancy with supplemental rental income, a full investment setup with two independent living spaces, or a multi-generational living arrangement with extended household flexibility while maintaining privacy between residences. Both homes sit on their own tax parcels while sharing convenient driveway access, creating a rare configuration in this central in-city location. With proximity to downtown Oneonta and strong rental demand in the area, the property offers a compelling opportunity for both long-term hold and value-add positioning. A versatile setup in a walkable, centrally located neighborhood—well suited for a range of residential and investment strategies.

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Listing Snapshot
Price 
$279,000
Days On Site 
38 Days
Bedrooms 
7
Inside Area (SqFt) 
2,669 sqft
Total Baths 
3
Full Baths 
3
Partial Baths 
N/A
Lot Size 
0.1 Acres
Year Built 
1900
MLS® Number 
R1669565
Status 
Active
Property Tax 
$8,450
HOA/Condo/Coop Fees 
N/A
Sq Ft Source 
N/A
Friends & Family
Recent Activity
a month agoListing first seen on site
a month agoListing updated with changes from the MLS®
General Features
Acres 
0.1
Cross Street 
Fair St
Levels 
Two
Number Of Stories 
2
Property Sub Type 
Multi Family
Special Circumstances 
Standard
SqFt Total 
2669
Utilities 
Sewer ConnectedWater Connected
Water Source 
Public
Interior Features
Appliances 
Gas Water HeaterWater Heater
Basement 
Full
Flooring 
CarpetHardwoodVariesVinyl
Heating 
Natural Gas
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Exterior Features
Construction Details 
Frame
Lot Features 
Irregular Lot
Road Frontage 
City Street
Community Features
Financing Terms Available 
CashConventional
MLS Area 
Oneonta-City-361200
School District 
Oneonta
Township 
Not Applicable
Schools
School District
Oneonta
Elementary School
Unknown
Middle School
Unknown
High School
Unknown
Listing courtesy of Rebecca Ryan of Oneonta Realty LLC rebeccaryanupstate@gmail.com

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The data relating to real estate on this website comes in part from the Internet Data Exchange (IDX) Program of NYSAMLS’s. Real estate listings held by firms other than are marked with the IDX logo and detailed information about them includes the Listing Broker’s Firm Name.

All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal. Neither the listing broker(s) nor shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless. © Last checked: 2026-05-19 04:31 AM UTC CNYIS, UNYREIS, WNYREIS. All rights reserved.

Neighborhood & Commute
Source: Walkscore
Disclosure: Community information and market data powered by Constellation Data Labs. Information is deemed reliable but not guaranteed.
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