431 Stone Street

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$199,500
5 beds3,042 sqft$66/sqft
431 Stone St, Oneida, NY 13421
Est: $1,397/moGet pre-approved

Description

Welcome to 431 Stone Street in the City of Oneida! Whether you're looking to expand your investment portfolio or take advantage of an owner-occupant opportunity, this spacious two-family property offers tremendous versatility, existing rental income and over 3,000 square feet of living space. The larger unit features 4 bedrooms and 2 full bathrooms with a generous layout including an eat-in kitchen, formal dining room, living room and porch. This unit is currently occupied and rented for $1,550 per...Welcome to 431 Stone Street in the City of Oneida! Whether you're looking to expand your investment portfolio or take advantage of an owner-occupant opportunity, this spacious two-family property offers tremendous versatility, existing rental income and over 3,000 square feet of living space. The larger unit features 4 bedrooms and 2 full bathrooms with a generous layout including an eat-in kitchen, formal dining room, living room and porch. This unit is currently occupied and rented for $1,550 per month, providing immediate income for the next owner. The second apartment is a comfortable 1-bedroom, 1-bath unit featuring an eat-in kitchen and its own porch. Currently vacant, this unit was previously rented for $900 per month, giving the flexibility to place your own tenant or potentially occupy the unit while collecting rent from the larger apartment. At the previous rental amounts, the property generates $2,450 per month, or $29,400 annually, when fully occupied. The property is already configured with two electric meters, two gas meters and two heating units—valuable features for a multi-family property. Additional amenities include separate laundry hookups, plenty of storage,forced-air heat,and public water and sewer. Outside you'll find a partially fenced yard, blacktop parking for multiple vehicles and a two-car garage offering additional parking and storage. Situated on a 60' x 137' lot, the property provides a nice combination of indoor and outdoor space. With over 3,000 square feet, two apartments, separate utilities, a two-car garage and income potential,431 Stone Street offers an exciting and versatile multi-family opportunity!
LISTING UPDATED: 08/13/2026 10:02 AM

  1. Listed by Jeremy Allen • Acropolis Realty Group LLC
    P: (315) 396-0493 C: (315) 575-5528 jeremyallenrealtor@gmail.com

Property Details for 431 Stone Street

Status
Active
MLS #
S1702067
Days on Market
Listed Today
Taxes
$4,593 / year
HOA Fees
-
Condo/Co-op Fees
-
Property Type
Multi Family
MLS Type
Residential / Duplex
Year Built
1901
Lot Size
0.19 AC / 8,276 SF
County
Madison County
Architectural Style
Duplex
Subdivision Name
Oneida Purchase
Has Waterfront
No

Location

Listing Courtesy of Acropolis Realty Group LLC
Add your commute

Building Information for 431 Stone Street

Stories2Residences2Year Built1901Building Size-Lot Size0.19 AC / 8,276 SF

Payment Calculator

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$1,397 per month

30 year fixed, 6.55% Interest

Principal and Interest

$1,014

Property Taxes

$383

HOA Dues

$0

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Property Information for 431 Stone Street

Summary
Location and General Information
  • Cross Street: Loucks
  • Latitude: 43.089043
  • Longitude: -75.659639
  • MLS Area Major: Oneida-Inside-251201
  • Has Senior Community: No
  • Township: Not Applicable
Taxes and HOA
  • Parcel Number: 251201-038-030-0002-006-000-0000
  • Tax Annual Amount: $4,593.00
  • Tax Assessed Value: 92300
School Information
  • Elementary School District: Oneida
  • High School District: Oneida
  • Middle Or Junior School District: Oneida
Parking
  • Garage Spaces: 2.0
  • Has Garage: Yes
  • Parking Features: Paved, Two Or More Spaces
Property
Lot Information
  • Lot Features: Near Public Transit, 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
  • Building Area Source: Public Records
  • Building Area Total: 3042.0
  • Living Area: 3042.0
  • Property Condition: Resale
  • Property Sub Type: Duplex
  • Property Sub Type Additional: Duplex
  • Property Type: Residential
  • Year Built: 1901
  • Year Built Details: Existing
Building Features
  • Construction Materials: Composite Siding
  • Foundation Details: Block, Stone
  • Levels: Two
  • Structure Type: Duplex
Utilities
  • Number Of Separate Electric Meters: 2
  • Number Of Separate Gas Meters: 2
  • Sewer: Connected
  • Utilities: 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: 3
  • Bathrooms Half: 1
  • Bathrooms Total Integer: 4
  • Bedrooms Total: 5
  • Has Fireplace: No
  • Flooring: Carpet, Ceramic Tile, Hardwood, Laminate, Marble, Tile, Varies, Vinyl
  • Heating: Gas, Forced Air
  • Has Heating: Yes
  • Interior Features: Storage
  • Laundry Features: Washer Hookup
  • Main Level Bathrooms: 0
Exterior Features
  • Exterior Features: Fence
  • Fencing: Partial
  • 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: Electric, Fuel, Other, See Remarks, Water Sewer
Unit Information
Unit 1
  • Actual Rent: $.00
  • Actual Rent Range: 0
  • Baths Total: 1
  • Beds Total: 1
  • Description: Oven/ Range,Refrigerator,Eat-In Kitchen,Porch
  • Num Full Baths: 1
  • Num Half Baths: 0
  • Total Rent: $.00
Unit 2
  • Actual Rent: $1,550.00
  • Actual Rent Range: 1550
  • Baths Total: 3
  • Beds Total: 4
  • Description: Dishwasher,Oven/ Range,Refrigerator,Microwave,Eat-In Kitchen,Formal Dining Room,Living Room,Porch
  • Has Month To Month: Yes
  • Num Full Baths: 2
  • Num Half Baths: 1
  • Total Rent: $1,550.00
Rental
Rent Information
  • Rent Includes: Water

Property History for 431 Stone Street

DateEvent & SourcePriceAppreciation
Aug 13, 2026

Listed (Active)

New York State Alliance of MLSs (Buffalo) #S1702067

$199,500—
Aug 13, 2026

Listed (Active)

WNYREIS #S1702067

$199,500—
Aug 13, 2026

Listed (Active)

Central New York Information Services #S1702067

$199,500—
DateEvent & SourcePrice
08/13/2026

Listed (Active)

New York State Alliance of MLSs (Buffalo) #S1702067

$199,500
08/13/2026

Listed (Active)

WNYREIS #S1702067

$199,500
08/13/2026

Listed (Active)

Central New York Information Services #S1702067

$199,500

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

Public Records for 431 Stone Street

Taxable ValueLand$10,400Additions$81,900Total$92,300
Tax Record2025$4,592 ($383 / month)
Home Facts
Baths3Total Finished SqFt3,042 SqFtAbove Grade Finished SqFt3,042 SqFtStories2Lot Size8,276 SqFtStyleDuplexYear Built1901ZoningR2CountyMADISONAPN251201 38.30-2-6

Schools near 431 Stone Street

This home is within Oneida City School District.
Rating
School
Type
Grades
Distance
Seneca Street School
Public - 2 to 3
Otto L Shortell Middle School
Public - 6 to 8
Oneida Senior High School
Public - 9 to 12
North Broad Street School
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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More information about 431 Stone Street, Oneida, NY 13421

431 Stone Street is a multi-family home for sale in Oneida, NY 13421. This property was listed for sale on August 13, 2026 by Acropolis Realty Group LLC, it's currently listed at $199,500. It has been on the market for a total of 0 days and was last sold on July 29, 2009. This listing's school district is Oneida City School District. Nearby schools include Seneca Street School, Otto L Shortell Middle School and Oneida Senior High School. 431 Stone Street is a 5-bed, 4-bath, 3,042 sqft multi-family home built in 1901.

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 Acropolis Realty Group LLC

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.