46 Church St

Oneonta, NY 13820

$317,514
Price
10
Beds
3,768 Sq. Ft.
$84 / Sq. Ft.
3,768
Sq. Ft.
$84
per Sq. Ft.
Get preapproved with Rocket Mortgage1
Pending
Pending

Description

Great location! Close to downtown and bus route. This THREE UNIT APARTMENT BUILDING is located on CHURCH ST with a total of 10 BEDROOMS. Separate utilities for each apartment. Two apartments have 4 bedrooms and 2 baths with laundry in the unit. Upstairs is a 2 bedroom apartment has laundry as well. Apartments are spacious with nice size bedrooms and kitchens. Bathrooms have been updated. Currently rented for $1200, $1125 and $1100. Monthly income $3425. Yearly gross income $41,100. Rents could be...Great location! Close to downtown and bus route. This THREE UNIT APARTMENT BUILDING is located on CHURCH ST with a total of 10 BEDROOMS. Separate utilities for each apartment. Two apartments have 4 bedrooms and 2 baths with laundry in the unit. Upstairs is a 2 bedroom apartment has laundry as well. Apartments are spacious with nice size bedrooms and kitchens. Bathrooms have been updated. Currently rented for $1200, $1125 and $1100. Monthly income $3425. Yearly gross income $41,100. Rents could be much higher. Prior to 2020 this was a successful COLLEGE RENTAL. Plenty of OFF STREET PARKING, 3 CAR GARAGE and a great FRONT PORCH. Seller will provide current Certificate of Compliance with the city prior to closing. Call today for more details.
  1. Listed by Christine Keto • Oneonta Realty, LLC
    P: (607)-441-7312 C: (607)-287-8458 cricketoneontarealty@gmail.com

Property Details for 46 Church Street

On Waterfront
No
Parking Description
Gravel, Two Or More Spaces, Unpaved
Nearest Cross Street
Walnut St
LISTING UPDATED: 01/14/2026 04:53 PM

Property Details for 46 Church Street

StatusPending
MLS #R1642567
Days on Market103
Taxes$6,545 / year
HOA Fees-
Condo/Co-op Fees-
Property TypeMulti Family
MLS TypeMulti Family / Residential
Year Built1975
Lot Size0.15 AC / 6,534 SF
CountyOtsego County
Get preapproved with Rocket Mortgage1

Location

Listing Courtesy of Oneonta Realty, LLC
Add your commute

Building Information for 46 Church Street

Stories3Residences3Year Built1975Building Size-Lot Size0.15 AC / 6,534 SF

Payment Calculator

Get preapproved with Rocket Mortgage1

$2,144 per month

30 year fixed, 6.46% Interest

Principal and Interest

$1,599

Property Taxes

$545

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

Know your buying power with a preapproval and custom rate in minutes

Rocket Mortgage1

Property Information for 46 Church Street

Summary
Location and General Information
  • 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: 3.00
  • Garage YN: Yes
Taxes and HOA Information
  • Area NYSWIS Code: Oneonta-City-361200
  • Tax Annual Amount: $6,545.00
Property
Lot Information
  • Building Area Total: 3768.0
  • Land Features: Irregular Lot, Residential Lot
  • Num Of Acres: 0.15
  • Lot Size Area: 0.15
  • Lot Size Square Feet: 6534.0
  • Lot Size Units: Acres
  • Parcel Number: 288.17-5-26
  • Road Frontage: City Street
  • Lot Number: 26
Property and Assessments
  • Property Condition: Resale
  • Senior Community YN: No
  • Assessed Value: $170,000
  • Year Built: 1975
  • Year Built Description: Existing
Utilities
  • Num Of Electric Meters: 4
  • Num Of Gas Meters: 3
  • Sewer Description: Connected
  • Utilities Available: Sewer Connected, Water Connected
  • Water Supply: Connected, Public
Interior and Exterior Features
Exterior Features
  • Construction Materials: Frame
  • Roof Description: Asphalt
Interior Features
  • Appliances: Gas Water Heater
  • Basement Description: Full
  • Basement YN: Yes
  • Num Of Possible Bedrooms: 10
  • Num Fireplaces Total Calculated: 0
  • Fireplace YN: No
  • Floor Description: Carpet, Hardwood, Varies, Vinyl
  • Heating: Gas, Hot Water
  • Heating YN: Yes
  • Sq Ft Total: 3768.0
  • Main Level Bathrooms: 0
Multi Family
Multi-Family Information
  • Gross Annual Income: $41,100.00
  • Number Of Units In Community: 3
  • Number Of Units Total: 3
  • Operating Expense Includes: Electric, Fuel, Insurance, Trash, Water Sewer
  • Stories: 3
  • Stories Total: 3
Unit 1
  • Unit Type Actual Rent: $1,100.00
  • Unit Type Baths Total: 1
  • Unit Type Beds Total: 2
  • Features: Dryer,Oven/ Range,Refrigerator,Washer,Living Room
  • Unit Type Total Rent: $1,100.00
  • Unit Type Num Full Baths: 1
  • Unit Type Num Half Baths: 0
  • Unit Type Actual Rent Range: 1100
Unit 2
  • Unit Type Actual Rent: $1,125.00
  • Unit Type Baths Total: 2
  • Unit Type Beds Total: 4
  • Features: Dryer,Oven/ Range,Refrigerator,Washer,Laundry-In Unit
  • Unit Type Total Rent: $1,125.00
  • Unit Type Num Full Baths: 2
  • Unit Type Num Half Baths: 0
  • Unit Type Actual Rent Range: 1125
Unit 3
  • Unit Type Actual Rent: $1,200.00
  • Unit Type Baths Total: 2
  • Unit Type Beds Total: 4
  • Features: Dryer,Oven/ Range,Refrigerator,Washer,Laundry-In Unit
  • Unit Type Total Rent: $1,200.00
  • Unit Type Num Full Baths: 1
  • Unit Type Num Half Baths: 1
  • Unit Type Actual Rent Range: 1200
Rental
Rental Information
  • Rent Includes: Electricity, Gardener, Heat, Hot Water, Snow Removal, Trash Collection, Water

Property History for 46 Church Street

DateEvent & SourcePriceAppreciation
Jan 14, 2026

Pending

WNYREIS #R1642567

—
Dec 8, 2025

Price Change

WNYREIS #R1642567

$317,514—
Oct 3, 2025

Listed (Active)

WNYREIS #R1642567

$329,900—
Sep 22, 2014

Sold (Public Record)

Public Record #472919108

$280,000—
DateEvent & SourcePrice
01/14/2026

Pending

WNYREIS #R1642567

—
12/08/2025

Price Change

WNYREIS #R1642567

$317,514
10/03/2025

Listed (Active)

WNYREIS #R1642567

$329,900
09/22/2014

Sold (Public Record)

Public Record #472919108

$280,000

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

Public Records for 46 Church Street

Taxable ValueLand$17,000Additions$153,000Total$170,000
Tax Record2024$6,207 ($517 / month)
Home Facts
Total Finished SqFt2,512 SqFtAbove Grade Finished SqFt2,512 SqFtUnfinished Basement SqFt1,256 SqFtStories2Lot Size6,534 SqFtStyleMulti-Family Res (5+ Units)Year Built1982Zoning130CountyOTSEGOAPN361200 288.17-5-26

Schools near 46 Church Street

This home is within Oneonta City School District.
Rating
School
Type
Grades
Distance
Greater Plains Elementary School
Public - K to 5
Oneonta Middle School
Public - 6 to 8
Oneonta Senior High School
Public - 9 to 12
Valleyview Elementary School
Public - K to 5
Rating
School
Distance
Greater Plains Elementary School
PublicK to 5

Oneonta Middle School
Public6 to 8

Oneonta Senior High School
Public9 to 12

Valleyview 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.

Similar Homes

Similar Sold Homes

Explore Nearby Homes

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims 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 discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of Oneonta Realty, LLC

©2026 Global Multiple Listing Service, Inc. The data relating to real estate on this website comes in part from the Internet Data Exchange program of the GMLS. All information is deemed reliable but not guaranteed and should be independently verified. All properties subject to prior sale, change, or withdrawal. Neither listing broker(s), GMLS shall be responsible for any typographical errors, misinformation, or misprints, and shall be held totally harmless from any damages arising from reliance upon these data. 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 they may be interested in purchasing.