Skip main navigation
Pending
    • $375,000

    38-40 Cliff St, Oneonta, NY 13820

    10beds
    3,104sqft
    Loading
    Quadruplex, Multi Family
    Built in 1900
    -- sqft lot
    $-- Zestimate®
    $121/sqft
    $-- HOA

    What's special

    Spacious apartments
    Quality maintained 10 bedroom 4 family home just minutes to downtown and city bus lines. May be purchased with home next door 34-36 Cliff St, a four family MLS R1687927. Utilities are separate. Ample rear parking area for tenants. 3100 sqft home features a spacious front enclosed entry porch for all tenants. Outside there is a rear 2nd floor deck for both 2nd floor tenants, and separate rear entry decks for each first floor tenants. Two 3 bedroom and two 2 bedroom units. Spacious apartments all have generous square footage and closets, and all are equipped with dishwasher. Coin op laundry in basement. Home was completely gutted in the '90's so all electrical, plumbing, and wiring were done at that time. 38-40 Cliff St: Income: $51,600 annually. Expenses: Taxes $6,946, Water/Sewer $1,700, Insurance $2,200, Trash $1,200, Snow $375, Maintenance and Vacancy at 5% of gross $3,750, Total expenses: $16,171. NOI $35,429. Mortgage expense: $26,316 ($375,000, 20% down, $300k@ 6.25% for 20 yrs). Net Income $9113 / $75,000 (down payment) = 12% Return on Investment with below market rents. One year leases in place.
    33 days
    |
    160
    |
    6
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Benson Agency Real Estate LLC 607-432-4391,

    Rodger B Moran 607-287-1559

    Source: NYSAMLSs,MLS#: R1687928MLS LogoOriginating MLS: Otsego-Delaware

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 10
      • Bathrooms: 4
      • Full bathrooms: 4
      Heating
      • Gas, Forced Air
      Appliances
      • Included: Gas Water Heater
      Features
      • Flooring: Carpet, Varies, Vinyl
      • Basement: Full
      • Has fireplace: No
      Interior area
      • Total structure area: 3,104
      • Total interior livable area: 3,104 sqft

      Property

      Parking
      • Parking features: Common, Gravel, Parking Available
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Deck
      • Exterior features: Deck
      Lot
      • Size: 6,969 Square Feet
      • Dimensions: 66 x 106
      • Features: Irregular Lot, Near Public Transit, Residential Lot
      Details
      • Parcel number: 300.5459.00
      • Zoning description: Residential Multi Use
      • Special conditions: Standard

      Construction

      Type & style
      • Home type: MultiFamily
      • Architectural style: Fourplex
      • Property subtype: Quadruplex, Multi Family
      Materials
      • Frame, Vinyl Siding
      • Foundation: Stone
      • Roof: Shingle
      Condition
      • Resale
      • Year built: 1900

      Utilities & green energy

      • Sewer: Connected
      • Water: Connected, Public
      • Utilities for property: Cable Available, Sewer Connected, Water Connected

      Community & HOA

      Location
      • Region: Oneonta

      Financial & listing details

      • Price per square foot: $121/sqft
      • Tax assessed value: $150,000
      • Annual tax amount: $5,946
      • Date on market: 6/3/2026
      • Cumulative days on market: 29 days
      • Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
      • Tenant pays: All Utilities

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        6/25/2026Pending sale$375,000$121/sqft
        Source: NYSAMLSs #R1687928 Report a problem
        6/23/2026Contingent$375,000$121/sqft
        Source: NY State MLS #11801791 Report a problem
        6/5/2026Listed for sale$375,000$121/sqft
        Source: NYSAMLSs #R1687928 Report a problem

        Public tax history

        Tax history is unavailable.

        Monthly payment

        Estimated monthly payment$1,822
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
        See how much you could borrow to make a competitive offer.
        Get pre-qualified

        Climate risks

        Neighborhood: 13820

        Getting around

        87 / 100
        Very Walkable
        66 / 100
        Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • District: Oneonta

        Source: NYSAMLSs. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

        Skip to the end of the carouselSkip to the beginning of the carousel

        A local agent can set up tours, give advice and negotiate with sellers.

        Browse local experts

        Similar homes

        Skip to the end of the carouselSkip to the beginning of the carousel

            Nearby cities

            Nearby neighborhoods

            Nearby zip codes

            Other Oneonta Topics

              Search
              Updates
              Favorites
              Plan
              Inbox