Otsego County and Oneonta City property record for 10 Pearl St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 2 ba · 2,120 sqft · built 1920 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Aug 2017) |
| Tax Bill | $5,079 (2026) |
| Deeds & Mortgages | Aug 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 299.8-1-68 |
| Primary APN | 361200 299.8-1-68 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,120 sqft Living Area |
| 1st Floor Area | 1,084 sqft |
| 2nd Floor Area | 1,036 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 132 ft deep x 55 ft wide |
| Garage Type | Detached |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 132 sqft |
| Shed | 1 Shed |
| Shed Area | 54 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2566 |
|---|---|
| Street Address | 10 PEARL ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1259 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 1 |
| Legal Lot Number | 68.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 591700 |
10 Pearl St is owned and occupied by two individuals who bought it in August 2017.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 PEARL ST, ONEONTA, NY 13820-1259 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2017 · Amount on File |
| Deed Sale | Aug 29, 2017 · Amount on File |
| Prior Sale | Oct 2, 2008 · Amount on File |
| Deed Book / Page | 2017 / 4117 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 29, 2017 |
| Property Address | 10 PEARL ST, ONEONTA, NY 13820-1259 |
| Document Number | 0000004117 |
| Instrument Date | Aug 25, 2017 |
| Instrument | 4117 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 PEARL ST ONEONTA NY 138201259, ONEONTA, NY 13820-1259 |
The 2026 property tax bill for 10 Pearl St was $5,079 with exemptions applied, up 4% 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 | $5,079.00 (+4.01%) Disabled Person's exemption Veteran's exemption | ||
| 2025 | $4,883.00 | $156,000 Land $15,500 Building $140,500 | $219,718 Land $21,831 Building $197,887 |
| 2023 | $156,000 Land $15,500 Building $140,500 | $192,593 Land $19,136 Building $173,457 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Pearl 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 | 1 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 10 Pearl 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 | Direct burnable vegetation |
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 175 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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