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 square feet, two apartments, separate utilities, a two-car garage and income potential,431 Stone Street offers an exciting and versatile multi-family opportunity!