Otsego County and Oneonta Town property record for 1 Clover St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,383 sqft · built 1932 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $3,351 (2026) |
| Deeds & Mortgages | Aug 2019 Sale Nov 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 364600 299.07-4-63.00 |
| Primary APN | 364600 299.07-4-63.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,383 sqft Living Area |
| 1st Floor Area | 811 sqft |
| 2nd Floor Area | 572 sqft |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 100 ft deep x 135 ft wide |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Porch |
| Porch Area | 64 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 075100 |
|---|---|
| Street Address | 1 CLOVER ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 993 0 0 |
| Legal Block | 4 |
| Legal Lot Number | 63.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 590800 |
1 Clover St is held in a trust since October 2018.
Source: Otsego County and Oneonta Town records, as of September 23, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 18 SPRUCE ST, ONEONTA, NY 13820-1426 |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 9, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Nov 19, 2018 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 30, 2018 |
| Transfer Doc | 0000000614 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 9, 2019 |
| Property Address | 1 CLOVER ST, ONEONTA, NY 13820-2101 |
| Document Number | 0000003569 |
| Instrument Date | Aug 9, 2019 |
| Instrument | 3569 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $510.64 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1 CLOVER ST ONEONTA NY 138202101, ONEONTA, NY 13820-2101 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Nov 19, 2018 |
| Property Address | 1 CLOVER ST, ONEONTA, NY 13820-2101 |
| Document Number | 0000005614 |
| Instrument Date | Oct 30, 2018 |
| Instrument | 5614 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2018 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1 CLOVER ST ONEONTA NY 138202101, ONEONTA, NY 13820-2101 |
The 2026 property tax bill for 1 Clover St was $3,351, up 0.4% from the year before.
Source: Otsego County and Oneonta Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Oneonta Town |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,351.00 (+0.42%) | ||
| 2025 | $3,337.00 | $104,400 Land $24,100 Building $80,300 | $149,143 Land $34,429 Building $114,714 |
| 2023 | $965.00 | $104,400 (-) Land $24,100 Building $80,300 | $133,846 (+12.82%) Land $30,897 Building $102,949 |
| 2022 | $104,400 Land $24,100 Building $80,300 | $118,636 Land $27,386 Building $91,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1 Clover St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1993.
Source: FEMA National Flood Hazard Layer, effective March 20, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 13 (1993–2011) |
| Claims Outside the SFHA | 7 of 13 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 1 Clover St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ONEONTA CITY serves 15,954 people · EPA ID NY3800154 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 6 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 376 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures