Otsego County and Oneonta City property record for 1 Oak St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,600 sqft · built 1912 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $137,000 (Sep 2020) |
| Tax Bill | $5,171 (2026) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage Jul 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.18-4-8 |
| Primary APN | 361200 288.18-4-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,600 sqft Living Area |
| 1st Floor Area | 924 sqft |
| 2nd Floor Area | 676 sqft |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 3,049 sqft (0.07 acres) |
| Lot Dimensions | 59 ft deep x 45 ft wide |
| Garage Type | Carport |
| Garage Area | 212 sqft |
| Carport | Carport |
| Carport Area | 212 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 207 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2469 |
|---|---|
| Street Address | 1 OAK ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 140 |
| Legal Block | 4 |
| Legal Lot Number | 8.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 591000 |
1 Oak St is owned and occupied by an individual who bought it in September 2020.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1 OAK ST, ONEONTA, NY 13820-1819 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 22, 2020 | Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FNDG |
| Jul 20, 2018 | Grant Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2020 · Amount on File |
| Deed Sale | Sep 22, 2020 · Amount on File |
| Deed Document Number | 20204056 |
| Prior Transfer Date | Oct 3, 2013 |
| Prior Transfer Doc | 0020136349 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Sep 22, 2020 |
| Property Address | 1 OAK ST, ONEONTA, NY 13820-1819 |
| Document Number | 0000004056 |
| Instrument Date | Apr 16, 2020 |
| Instrument | 4056 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $548.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 GARDNER PL ONEONTA NY 138201654, ONEONTA, NY 13820-1654 |
| Document Number | 4057 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 4057 |
| Name | HOMESTEAD FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | ALBANY, NY 12205 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 21, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jul 20, 2018 |
| Property Address | 1 OAK ST, ONEONTA, NY 13820-1819 |
| Document Number | 0000003269 |
| Instrument Date | May 28, 2018 |
| Instrument | 3269 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2018 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1207 ROWLEY DR CEDAR PARK TX 786131630, CEDAR PARK, TX 78613-1630 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 1 Oak St was $5,171, down 4.2% from the year before.
Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,171.00 (-4.21%) | ||
| 2025 | $5,398.00 | $133,000 Land $8,400 Building $124,600 | $187,324 Land $11,831 Building $175,493 |
| 2023 | $133,000 Land $8,400 Building $124,600 | $164,198 Land $10,370 Building $153,828 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1 Oak St in Zone X, an area of minimal flood risk.
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 | 2 in force |
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 Oak 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 |
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 661 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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