34-36 Cliff St, Oneonta, NY 13820

Building Details

Year built

1900

Floors in Building

2

Flooring type

Vinyl, Carpet

Roof type

Tar/Gravel, Flat

Listing agent Rodger B Moran License #30MO0797197 Show Phone

Listing office BENSON AGENCY REAL ESTATE LLC 1 GRAND ST, ONEONTA, NY Show Phone

Listing date Jun 5, 2026

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MLS# 11801899 Listing URL

Copyright © 2026 My State MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

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Overview

This four-unit residential income property at 34-36 Cliff St features classic front porch lines and generous living space within each unit. The building is configured as a quadplex with one-year leases in place. Off-street parking is available for tenants and guests, and residents pay all utilities.

Located in Oneonta, the property is about three blocks to downtown, giving it convenient access to local commerce. The lot size is listed at 0.18 acres, and the offering also notes an option to purchase a nearby four-family property at 38-40 Cliff Street (MLS #R1687928).

For the 34-36 Cliff St asset, total rents are listed at $37,200 annually. Reported annual expenses include taxes of $4,596, water/sewer of $700, insurance of $1,700, trash of $1,200, snow of $375, and maintenance and vacancy at 5% of gross ($2,600), for total expenses of $11,171 and NOI of $26,029. The remarks also provide a sample financing assumption of $18,600 mortgage cost with a 20% down payment and a stated return on investment calculation based on the provided income and expense figures.

Suggested Use

Daycare Center Bakery Skin Care Clinic Nursing Home Electrical Service Storage Facility Clothing & Fashion Store Furniture & Home Goods Garden Center (Bike/Boat/Book/etc) Store

Zoning and permitted uses should be independently verified with local authorities.

Location Insight

• Map
• Local Demand

City

Oneonta

County

Otsego

State

New York

Longitude

-75.067548

Latitude

42.452259

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FAQs

What type of property is this?

Quadplex - Four rental units with off-street parking; tenants pay all utilities, supporting predictable operating structure.

Where is this quadplex located?

The property is located at 34-36 Cliff St Oneonta, NY.

What is the asking price?

The asking price for this property is $259,900.

What are key features of this property?

This property features: 4‑unit investment property about 3 blocks to downtown with a classic front porch and plenty of off‑street parking; Total rents are $37,200 annually; expenses total $11,171 for estimated NOI of $26,029; Lease terms: one‑year leases in place