Beautiful, move-in ready, one level brick home in great neighborhood in the heart of city. Lot is in back of cul-de-sac, nestled against wooded lots. Country privacy with city convenience! Three bedrooms, three full baths (MBR has large, jetted garden tub, tubs are extra deep man-made marble). Gleaming oak cabinets in kitchen with pantry, kitchen island on castors for optional positioning, formal dining room with hardwood flooring. MBR has vaulted ceiling, custom wooden shutters on windows and French doors that open to a beautiful stone patio and huge, private fenced backyard with gazebo and wooden storage building. Large laundry room with storage cabinets, bonus room with workbench and sink in spacious garage heated and cooled could be home office. Lighted extra storage in attic. Oneonta City Schools, Oneonta utilities (water, sewer, gas) city garbage pickup. Family-friendly neighborhood -- no thru traffic, safe for kids. A great place to raise a family! Possible 100% financing.