10 Gilbert St, Oneonta, NY 13820 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,542 sqft · built 1880
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Nov 2021)
Tax Bill	$6,078 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`361200 299.16-3-48`

Property Details

APN / Parcel Number

Primary APN	`361200 299.16-3-48`
Alternative APNs	`120029901600030480000000` `3911 1533`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,542 sqft Living Area
1st Floor Area	926 sqft
2nd Floor Area	616 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1975
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	165 ft deep x 50 ft wide
Porch	Porch
Porch Area	80 sqft
Canopy	216 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 1533
Street Address	10 GILBERT ST
City	ONEONTA
State	NY
Zip	13820-2207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	3
Legal Lot Number	48.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1033
Census Tract	591100

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	10 GILBERT ST, ONEONTA, NY 13820-2207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 22, 2021 · Amount on Record
Deed Sale	Nov 22, 2021 · Amount on Record
Prior Sale	Jul 9, 2009 · Amount on Record
Deed Document Number	20216502
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Nov 22, 2021
Property Address	10 GILBERT ST, ONEONTA, NY 13820-2207
Document Number	0000000502
Instrument Date	Nov 17, 2021
Instrument	2021-6502
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10 GILBERT ST, ONEONTA, NY 13820-2207

Mortgage

Document Number	0000000503
Date	Nov 22, 2021
Instrument	2021-6503

Lender

Name	DELAWARE NATIONAL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2025	$6,078.00	$132,000 (-) Land $15,900 Building $116,100	$185,915 (+14.08%) Land $22,394 Building $163,521
2023		$132,000 Land $15,900 Building $116,100	$162,963 Land $19,630 Building $143,333

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AO, within 500 ft
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	11 (1978–2011)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Severe Storms And Flooding, Jun 2006 · 3 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 180 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