10 Division St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 10 Division St, Oneonta, NY 13820

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 1,240 sqft · built 1902
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Oct 2018)
Tax Bill	$4,131 (2026)
Deeds & Mortgages	Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`361200 300.6-2-13`

Property Details

APN / Parcel Number

Primary APN	`361200 300.6-2-13`
Alternative APNs	`120030000600020130000000` `3911 0906`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,240 sqft Total Area
1st Floor Area	620 sqft
2nd Floor Area	620 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1960
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	181 ft deep x 66 ft wide
Porch	Slab
Porch Area	176 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 0906
Street Address	10 DIVISION ST
City	ONEONTA
State	NY
Zip	13820-2622
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	140
Legal Block	2
Legal Lot Number	13.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2000
Census Tract	591100

Owner

Source: Otsego County and Oneonta City records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	28 COLONY DR, MONROE, NY 10950-3119
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2018 · Amount on Record
Deed Sale	Oct 3, 2018 · Amount on Record
Deed Document Number	20184755
Prior Transfer Date	Sep 21, 2018
Prior Transfer Doc	0000004755
Record Updated	Oct 29, 2026

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Oct 3, 2018
Property Address	10 DIVISION ST, ONEONTA, NY 13820-2622
Document Number	0000004755
Instrument Date	Sep 21, 2018
Instrument	4755
Transaction Type	Transfer
Record Updated	Dec 11, 2018

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 CHESTER ST ONEONTA NY 138202005, ONEONTA, NY 13820-2005

Tax Assessment & Valuation

Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
Municipality	Oneonta City
Unified School District	Oneonta City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,131.00 (-22.16%)
2025	$5,307.00	$105,000 (-) Land $23,400 Building $81,600	$147,887 (+14.08%) Land $32,958 Building $114,929
2023		$105,000 Land $23,400 Building $81,600	$129,630 Land $28,889 Building $100,741

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	20 (1986–2014)
Claims Outside the SFHA	4 of 20
Most Recent Claim	Feb 2014
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 9 claims Severe Storms And Flooding, Jun 2006 · 7 claims

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

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 252 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