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$189,500

Listing Price

5beds

3baths

3,042sqft

8,276sqft lot

431 Stone St, Oneida, NY 13421

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  • Full foreclosure details

  • Home value, equity and ownership info

  • Find homes priced below market

  • Get full access with a FREE Account

Already a member?

For Sale

Off Market

Multi-Family

Home type

--

Price / sqft

1901

Year built

Home Details

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 s

Interior Details

Square Feet
  • 3042

Bedrooms
  • 5

Bathrooms
  • 3

Heating
  • Has Heating:

    Yes

  • Heating Type:

    Forced Air With Air Conditioning

Cooling
  • Has Cooling:

    No

  • Cooling Type:

    N/A

Fuel
  • Has Fuel:

    Yes

  • Fuel Type:

    Gas

Basement
  • Has Basement:

    No

  • Basement Type:

    Full

Flooring
  • Has Flooring:

    No

  • Flooring Type:

    N/A

Fireplace
  • Has Fireplace:

    Yes

  • Fireplace Type:

    N/A

Property Details

Lot Size
  • 8276

Water
  • Yes

Sewer
  • Yes

Parking
  • Type:

    Garage, Detached

  • Location:

    N/A

  • Status:

    N/A

  • Number of Spaces:

    2

Deck
  • N/A

Patio
  • N/A

Fence
  • N/A

Pool
  • N/A

Porch
  • N/A

Stoop
  • N/A

Breezeway
  • N/A

Construction Details

Number of Stories
  • 2

Style
  • Traditional/old

Exterior
  • Composition/composite

Foundation
  • N/A

Roof
  • N/A

Roofing Material
  • N/A

Tax History

Year

Amount

Land

Improvement

Percent Change

Assessment

2020

$3,462

$10,400

$81,900

--%

$92,300

2020

$3,462

$10,400

$81,900

--%

$92,300

2018

$3,350

$10,400

$81,900

--%

$92,300

2017

$3,027

$10,400

$81,900

--%

$92,300

2016

$3,429

$10,400

$81,900

--%

$92,300

2015

$1,484

$10,400

$81,900

--%

$92,300

2013

$2,840

$10,400

$81,900

--%

$92,300

2011

$2,643

$10,400

$81,900

--%

$92,300

percent-home-icon

Average Home Price in 13421

Nearby Properties

Zip Code

Price

Bed

Bath

Sqft

Lot

Sold Date

$89,900

6 Beds

2 Baths

2,699 Sqft

8,712 Lot (sqft)

Sold 10/26/2026

$39,900

6 Beds

2 Baths

3,292 Sqft

9,148 Lot (sqft)

Sold 10/27/2026

$--

5 Beds

3 Baths

2,729 Sqft

19,166 Lot (sqft)

Sold NaN/NaN/NaN

percent-home-icon

Calculators

Mortgage

Mortgage Calculator

Calculate your monthly mortgage payments.
Household Income
70,000
$
Home price
189,500
$
Down payment
37,900
$
Mortgage Rate
6.5
%
Loan Term
Property Tax Rate
1.1
%
Homeowner's Insurance (Annual)
1,137
$
HOA (Monthly)
0
$
PMI
0
$
$1,227
Your Payment
Total Monthly Payment:$1,227
Percent of Income:21%
Affordable:Yes

Details for 431 STONE ST

Property Debt

Foreclosure Contact Details