432-434 Main St

2,837 Sq. Ft.
$102 / Sq. Ft.
2,837
Sq. Ft.
$102
per Sq. Ft.

Description

Ideal center-city location with highly sought after Mixed Use-2 Zoning, allowing for short term occupancy. First floor includes living room, kitchen, 4 bedrooms, and 1+1/2 baths. The second floor has living room, kitchen, two bedrooms, and full bathroom. Could be ideal owner-occupied with all one level living, and providing income from short or long-term rentals on the second floor. Or lease entire building long or short term- many options at this highly visible corner lot with plenty of parking!Ideal center-city location with highly sought after Mixed Use-2 Zoning, allowing for short term occupancy. First floor includes living room, kitchen, 4 bedrooms, and 1+1/2 baths. The second floor has living room, kitchen, two bedrooms, and full bathroom. Could be ideal owner-occupied with all one level living, and providing income from short or long-term rentals on the second floor. Or lease entire building long or short term- many options at this highly visible corner lot with plenty of parking!
  1. Listed by Rodger B Moran • Benson Agency Real Estate LLC
    P: (607)-432-4391 C: (607)-287-1559 rmoran71@gmail.com

Property Details for 432-434 Main Street

Styles Of Residence
Other, See Remarks, Duplex
On Waterfront
No
Parking Description
Common, Other, Paved, See Remarks
Nearest Cross Street
Fifth Street
LISTING UPDATED: 12/30/2025 02:36 PM

Property Details for 432-434 Main Street

StatusPending
MLS #R1613072
Days on Market209
Taxes$9,487 / year
HOA Fees-
Condo/Co-op Fees-
Compass TypeMixed Use
MLS TypeResidential / Mixed Use
Year Built1883
Lot Size0.40 AC / 17,424 SF
CountyOtsego County

Location

Listing Courtesy of Benson Agency Real Estate LLC
Add your commute

Building Information for 432-434 Main Street

Stories2Residences2Year Built1883Lot Size0.40 AC / 17,424 SF

Payment Calculator

$2,204 per month

30 year fixed, 6.15% Interest

Principal and Interest

$1,413

Property Taxes

$791

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 432-434 Main Street

Summary
Location and General Information
  • Accessibility: Accessible Approach With Ramp, Accessible Hallways
  • Elementary School District: Oneonta
  • High School District: Oneonta
  • Middle Or Junior School District: Oneonta
  • Village: Not Applicable
  • Human YN: Yes
Parking
  • Garage Spaces per Apt: .00
Taxes and HOA Information
  • Area NYSWIS Code: Oneonta-City-361200
  • Tax Annual Amount: $9,487.00
Property
Lot Information
  • Additional Parcels Description: 288.19-1-76.00
  • Building Area Source: Public Records
  • Building Area Total: 2837.0
  • Land Features: Corner Lot, Irregular Lot
  • Num Of Acres: 0.4
  • Lot Size Area: 0.4
  • Lot Size Units: Acres
  • Parcel Number: 288.19-1-75.00
  • Road Frontage: Main Thoroughfare
Property and Assessments
  • Property Condition: Resale
  • Senior Community YN: No
  • Assessed Value: $258,000
  • Year Built: 1883
  • Year Built Description: Existing
  • Zoning Description: Residential Multi Use
Utilities
  • Num Of Electric Meters: 2
  • Num Of Gas Meters: 2
  • Sewer Description: Connected
  • Utilities Available: High Speed Internet Available, Sewer Connected, Water Connected
  • Water Supply: Connected, Public
Interior and Exterior Features
Exterior Features
  • Construction Materials: Frame, Vinyl Siding
  • Roof Description: Shingle
  • Type Of Building: Mixed
Interior Features
  • Appliances: Electric Water Heater, Gas Water Heater
  • Basement Description: Full
  • Basement YN: Yes
  • Num Of Possible Bedrooms: 6
  • HVAC Type: Central Air
  • Cooling YN: Yes
  • Num Fireplaces Total Calculated: 1
  • Fireplace YN: Yes
  • Floor Description: Carpet, Varies
  • Heating: Electric, Gas, Baseboard, Forced Air
  • Heating YN: Yes
  • Levels: Two
  • Sq Ft Total: 2837.0
  • Main Level Bathrooms: 0
Multi Family
Multi-Family Information
  • Number Of Units In Community: 2
  • Number Of Units Total: 2
  • Operating Expense Includes: Maintenance Structure, Maintenance, Water Sewer
  • Stories: 2
  • Stories Total: 2
Unit 1
  • Unit Type Actual Rent: $.00
  • Unit Type Baths Total: 2
  • Unit Type Beds Total: 4
  • Features: ,Living Room
  • Unit Type Total Rent: $.00
  • Unit Type Num Full Baths: 1
  • Unit Type Num Half Baths: 1
  • Unit Type Actual Rent Range: 0
Unit 2
  • Unit Type Actual Rent: $.00
  • Unit Type Baths Total: 1
  • Unit Type Beds Total: 2
  • Features: ,Living Room
  • Unit Type Total Rent: $.00
  • Unit Type Num Full Baths: 1
  • Unit Type Num Half Baths: 0
  • Unit Type Actual Rent Range: 0
Rental
Rental Information
  • Rent Includes: Common Area Maintenance, Gardener, Snow Removal, Water
  • Tenant Pays: All Utilities

Property History for 432-434 Main Street

DateEvent & SourcePriceAppreciation
Dec 30, 2025

Pending

WNYREIS #R1613072

Jul 18, 2025

Price Change

WNYREIS #R1613072

$289,900
Jun 4, 2025

Listed (Active)

WNYREIS #R1613072

$339,900
May 30, 2025

Expired

WNYREIS #R1584869

Feb 3, 2025

Price Change

WNYREIS #R1584869

$349,500
Jan 22, 2025

Listed (Active)

WNYREIS #R1584869

$399,500
DateEvent & SourcePrice
12/30/2025

Pending

WNYREIS #R1613072

07/18/2025

Price Change

WNYREIS #R1613072

$289,900
06/04/2025

Listed (Active)

WNYREIS #R1613072

$339,900
05/30/2025

Expired

WNYREIS #R1584869

02/03/2025

Price Change

WNYREIS #R1584869

$349,500
01/22/2025

Listed (Active)

WNYREIS #R1584869

$399,500

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

Schools near 432-434 Main Street

This home is within Oneonta City School District.
Rating
School
Type
Grades
Distance
Public - K to 5
Public - 6 to 8
Public - 6 to 12
Public - K to 5
Rating
School
Distance
Greater Plains Elementary School
PublicK to 5

Oneonta Middle School
Public6 to 8

Oneonta Senior High School
Public6 to 12

Riverside Elementary 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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Listing Courtesy of Benson Agency Real Estate LLC

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