UPDATE! Seller financing may be available for qualified buyers. The seller is open to discussing owner financing and other creative financing structures, with terms subject to seller approval.
Turnkey investment opportunity with exceptional flexibility! This fully furnished property is currently operating as a successful short-term rental and offers two separate units, each with its own private entrance, kitchen, bedrooms, bathrooms, and independent heating and cooling. Zoned Commercial (C-1), it is well suited for short-term rentals, long-term rentals, owner occupancy, live/work use, professional offices, or other approved commercial uses.
Recent updates include modern kitchens and baths, appliances, HVAC, electrical, plumbing, flooring, and more, making this a truly move-in or rent-ready property. Conveniently located just off Route 17 (Exit 84), with easy access to the Delaware River, the Catskills, and year-round recreation, this property offers an excellent opportunity for investors and owner-users alike.
Active
Price cut: $26K (5/19)
$259,000
38 Oak St, Deposit, NY 13754
4beds
1,336sqft
Single Family Residence
Built in 1950
5,662 Square Feet Lot
$-- Zestimate®
$194/sqft
$-- HOA
What's special
Fully furnished propertyModern kitchens and bathsIndependent heating and cooling
- 115 days |
- 285 |
- 13 |
Zillow last checked:
Listing updated:
Listed by:
Keller Williams Upstate NY Properties 607-510-4444,
Ashley Trattner 845-674-3535
Source: NYSAMLSs,MLS#: R1666890
Originating MLS: Otsego-Delaware
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bathrooms: 2
- Main level bedrooms: 3
Heating
- Electric, Gas, Forced Air
Cooling
- Central Air
Appliances
- Included: Dryer, Dishwasher, Exhaust Fan, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Range Hood, Washer
- Laundry: In Basement
Features
- Eat-in Kitchen, Living/Dining Room, Pantry, Bedroom on Main Level, Convertible Bedroom, In-Law Floorplan
- Flooring: Luxury Vinyl
- Basement: Full,Finished,Walk-Out Access
- Has fireplace: No
Interior area
- Total structure area: 1,336
- Total interior livable area: 1,336 sqft
Property
Parking
- Parking features: Underground, No Garage, Driveway
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered, Patio, Porch
- Exterior features: Barbecue, Gravel Driveway, Patio
Lot
- Size: 5,662 Square Feet
- Dimensions: 75 x 179
- Features: Rectangular, Rectangular Lot
Details
- Parcel number: 367.5114
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch,Split Level
- Property subtype: Single Family Residence
Materials
- Attic/Crawl Hatchway(s) Insulated, Block, Foam Insulation, Concrete, Vinyl Siding
- Foundation: Block
- Roof: Pitched,Shingle
Condition
- Resale
- Year built: 1950
Utilities & green energy
- Sewer: Connected
- Water: Connected, Public
- Utilities for property: Electricity Connected, High Speed Internet Available, Sewer Connected, Water Connected
Community & HOA
Location
- Region: Deposit
Financial & listing details
- Price per square foot: $194/sqft
- Tax assessed value: $5,000
- Annual tax amount: $4,807
- Date on market: 3/17/2026
- Listing terms: Cash,Owner Will Carry
Estimated market value
Zestimate®
Not available
Estimated sales range
Not available
Rent Zestimate®
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 5/19/2026 | Price change | $259,000-9.1%$194/sqft |
Source: | ||
| 3/17/2026 | Listed for sale | $285,000+104.3%$213/sqft |
Source: | ||
| 2/1/2021 | Listing removed | -- |
Source: | ||
| 7/25/2020 | Listed for sale | $139,500+7.4%$104/sqft |
Source: EXIT Realty Homeward Bound #127162 Report a problem | ||
| 4/9/2020 | Listing removed | $129,900$97/sqft |
Source: EXIT REALTY FRONT AND CENTER #222525 Report a problem | ||
| 10/11/2019 | Listed for sale | $129,900+188.7%$97/sqft |
Source: EXIT REALTY FRONT AND CENTER #222525 Report a problem | ||
| 8/10/2005 | Sold | $45,000$34/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | -- | $5,000 |
| 2024 | -- | $5,000 |
| 2023 | -- | $5,000 |
| 2022 | -- | $5,000 |
| 2021 | -- | $5,000 |
| 2020 | -- | $5,000 |
| 2019 | -- | $5,000 |
| 2018 | -- | $5,000 |
| 2017 | $4,239 | $5,000 |
| 2016 | -- | $5,000 |
| 2015 | -- | $5,000 |
| 2014 | -- | $5,000 +16.3% |
| 2013 | -- | $4,300 |
| 2012 | -- | $4,300 |
| 2011 | -- | $4,300 |
| 2010 | -- | $4,300 |
| 2009 | -- | $4,300 |
| 2008 | -- | $4,300 |
| 2007 | -- | $4,300 |
| 2006 | -- | $4,300 |
| 2005 | -- | $4,300 |
| 2004 | -- | $4,300 |
| 2003 | -- | $4,300 |
| 2002 | -- | $4,300 -11.3% |
| 2001 | -- | $4,850 |
| 2000 | -- | $4,850 |
Find assessor info on the county website
Monthly payment
Estimated monthly payment$1,822
Principal & interest
$1,547Mortgage insurance
$0Property taxes
$170Home insurance
$105HOA fees
$0Utilities
Not includedAll 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.
Climate risks
Neighborhood: 13754
Nearby schools
GreatSchools rating
- 5/10Deposit Elementary SchoolGrades: PK-5Distance: 0.7 mi
- 4/10Deposit Middle Senior High SchoolGrades: 6-12Distance: 0.7 mi
Schools provided by the listing agent
- District: Deposit
Source: NYSAMLSs. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
- $185,100-- bd-- ba-- sqft36 Oak St, Deposit, NY 13754Off Market
Save - $310,5003 bd4 ba3k sqft34 Oak St, Deposit, NY 13754Off Market
Save 
- $---- bd2 ba1.2k sqft42 Oak St, Deposit, NY 13754Off Market
Save 
- $---- bd-- ba-- sqft40 Oak St UNIT 2, Deposit, NY 13754Off Market
Save - $45,0002 bd1 ba800 sqft40 Oak St, Deposit, NY 13754Sold
Save - $64,789-- bd-- ba-- sqft40 Oak St, Deposit, NY 13754Off Market
Save - $45,070-- bd-- ba-- sqftOak St, Deposit, NY 13754Off Market
Save - $42,254-- bd-- ba-- sqftOak St, Deposit, NY 13754Off Market
Save
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- Deposit
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- 38 Oak St