3 beds1,579 sqft$98/sqft
401 Stone St, Oneida, NY 13421
Est: $1,114/moGet pre-approved

Description

Well maintained Two Family home situated on a 0.19 acre lot in the City of Oneida, offering a great opportunity for owner occupants or investors seeking rental income. Both units are thoughtfully laid out and include appliances and separate laundry areas for added convenience. The lower unit features a welcoming covered front porch, spacious living room, eat-in kitchen with appliances, two bedrooms, a full bath and an in-unit laundry area complete with washer and dryer. The upper unit has its own...Well maintained Two Family home situated on a 0.19 acre lot in the City of Oneida, offering a great opportunity for owner occupants or investors seeking rental income. Both units are thoughtfully laid out and include appliances and separate laundry areas for added convenience. The lower unit features a welcoming covered front porch, spacious living room, eat-in kitchen with appliances, two bedrooms, a full bath and an in-unit laundry area complete with washer and dryer. The upper unit has its own private entrance and offers a comfortable living room, eat-in kitchen with appliances, one bedroom, a full bath and dedicated laundry in the basement with washer and dryer. Outside, you'll find a nice size yard and a fenced area. Plus a 1.5 car detached garage providing additional storage and plenty of parking. Numerous updates and meticulous maintenance make this property truly move in ready. Conveniently located close to shopping, dining, schools and other local amenities, this is a fantastic opportunity to add to your investment portfolio or offset your mortgage with rental income and live here inexpensively!
LISTING UPDATED: 07/24/2026 02:13 PM

  1. Listed by Janet Mautner • Kay Real Estate
    P: (315)-363-9191 C: (315)-762-8683 janetmautner@yahoo.com

Property Details for 401 Stone Street

Status
MLS #
S1693876
Days on Market
6
Taxes
$3,921 / year
HOA Fees
-
Condo/Co-op Fees
-
Property Type
MLS Type
Residential / Residential
Year Built
1874
Lot Size
0.19 AC / 8,276 SF
Architectural Style
Duplex
Has Waterfront
No

Location

Listing Courtesy of Kay Real Estate
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Building Information for 401 Stone Street

Stories2Residences2Year Built1874Building Size-Lot Size0.19 AC / 8,276 SF

Payment Calculator

$1,114 per month

30 year fixed, 6.55% Interest

Principal and Interest

$787

Property Taxes

$327

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 401 Stone Street

Summary
Location and General Information
  • Cross Street: Loucks Street
  • Latitude: 43.08964
  • Longitude: -75.658253
  • MLS Area Major: Oneida-Inside-251201
  • Has Senior Community: No
  • Township: Not Applicable
Taxes and HOA
  • Parcel Number: 251201-038-030-0002-014-000-0000
  • Tax Annual Amount: $3,921.00
  • Tax Assessed Value: 80000
School Information
  • Elementary School District: Oneida
  • High School District: Oneida
  • Middle Or Junior School District: Oneida
Parking
  • Garage Spaces: 1.5
  • Has Garage: Yes
  • Parking Features: Paved
Property
Lot Information
  • Lot Features: Rectangular, Rectangular Lot, Residential Lot
  • Lot Size Acres: 0.19
  • Lot Size Area: 0.19
  • Lot Size Units: Acres
  • Lot Size Dimensions: 60X137
  • Lot Size Square Feet: 8276.0
  • Road Frontage Type: City Street
Property and Assessments
  • Below Grade Finished Area: 158.0
  • Building Area Total: 1579.0
  • Living Area: 1579.0
  • Property Condition: Resale
  • Property Sub Type: Multi Family
  • Property Type: Residential
  • Year Built: 1874
  • Year Built Details: Existing
Building Features
  • Construction Materials: Vinyl Siding, Wood Siding, Copper Plumbing
  • Foundation Details: Stone
  • Levels: Two
Utilities
  • Electric: Circuit Breakers
  • Number Of Separate Electric Meters: 1
  • Number Of Separate Gas Meters: 1
  • Sewer: Connected
  • Utilities: Cable Available, Electricity Connected, High Speed Internet Available, Sewer Connected, Water Connected
  • Water Source: Connected, Public
Interior and Exterior Features
Interior Features
  • Appliances: Gas Water Heater
  • Basement: Full
  • Has Basement: Yes
  • Bathrooms Full: 2
  • Bathrooms Half: 0
  • Bathrooms Total Integer: 2
  • Bedrooms Total: 3
  • Cooling: Ceiling Fan(s)
  • Has Cooling: Yes
  • Has Fireplace: No
  • Flooring: Luxury Vinyl
  • Heating: Gas, Forced Air
  • Has Heating: Yes
  • Interior Features: Ceiling Fans
  • Main Level Bathrooms: 0
  • Window Features: Thermal Windows
Exterior Features
  • Exterior Features: Deck, Fence
  • Fencing: Partial
  • Patio And Porch Features: Covered, Deck, Open, Porch
  • Roof: Asphalt
  • Stories: 2
  • Stories Total: 2
Multi Family
Multi Family Information
  • Number Of Units In Community: 2
  • Number Of Units Total: 2
Income & Expenses
  • Operating Expense Includes: Insurance, Maintenance Structure, Utilities, Water Sewer
Unit Information
Unit 1
  • Actual Rent: $950.00
  • Actual Rent Range: 950
  • Baths Total: 1
  • Beds Total: 1
  • Description: Dryer,Oven/ Range,Refrigerator,Washer,Eat-In Kitchen,Living Room
  • Num Full Baths: 1
  • Num Half Baths: 0
  • Total Rent: $950.00
Unit 2
  • Actual Rent: $.00
  • Actual Rent Range: 0
  • Baths Total: 1
  • Beds Total: 2
  • Description: Dryer,Oven/ Range,Refrigerator,Washer,Eat-In Kitchen,Living Room,Porch
  • Num Full Baths: 1
  • Num Half Baths: 0
  • Total Rent: $.00
Rental
Rent Information
  • Rent Includes: All Utilities

Property History for 401 Stone Street

DateEvent & SourcePriceAppreciation
Jul 2, 2026

Pending

WNYREIS #S1693876

Jul 2, 2026

Pending

Central New York Information Services #S1693876

Jul 1, 2026

Pending

New York State Alliance of MLSs (Buffalo) #S1693876

DateEvent & SourcePrice
07/02/2026

Pending

WNYREIS #S1693876

07/02/2026

Pending

Central New York Information Services #S1693876

07/01/2026

Pending

New York State Alliance of MLSs (Buffalo) #S1693876

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 401 Stone Street

Taxable ValueLand$10,400Additions$69,600Total$80,000
Tax Record2025$3,783 ($315 / month)
Home Facts
Baths2Total Finished SqFt1,579 SqFtAbove Grade Finished SqFt1,421 SqFtFinished Basement SqFt158 SqFtStories2Lot Size8,276 SqFtStyleDuplexYear Built1874Year Renovated1874ZoningR2CountyMADISONAPN251201 38.30-2-14

Schools near 401 Stone Street

This home is within Oneida City School District.
Rating
School
Type
Grades
Distance
Public - 2 to 3
Public - 6 to 8
Public - 9 to 12
Public - K to 5
Rating
School
Distance
Seneca Street School
Public2 to 3

Otto L Shortell Middle School
Public6 to 8

Oneida Senior High School
Public9 to 12

North Broad Street School
PublicK to 5

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of Kay Real Estate

The data relating to real estate for sale on this website comes in part from the Internet Data exchange (IDX) program of the New York State Alliance MLS. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Real estate listings held by brokerage firms other than Compass and its related brokerages, are indicated by detailed information about them such as the name of the listing firms. 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 Compass and its related brokerages shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless. Copyright ©2026 New York State Alliance and participating MLS's - CNYIS, UNYREIS and WNYREIS. All Rights Reserved.