10 Richards Ave, Oneonta, NY 13820 Property Records

Otsego County and Oneonta Town property record for 10 Richards Ave, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,236 sqft · built 1940
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Feb 2025)
Tax Bill	$1,360 (2026)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`364600 299.07-2-11.00`

Property Details

APN / Parcel Number

Primary APN	`364600 299.07-2-11.00`
Alternative APNs	`460029900700020110000000` `118800`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,236 sqft Living Area
1st Floor Area	936 sqft
Attic	Attic
Attic Area	300 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1980
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Lot Width	50 ft Width
Porch	Slab
Porch Area	286 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	118800
Street Address	10 RICHARDS AVE
City	ONEONTA
State	NY
Zip	13820-1123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	997 0 0
Legal Block	2
Legal Lot Number	11.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2023
Census Tract	590800

Owner

10 Richards Ave is owned by an individual who bought it in February 2025.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 50, WEST ONEONTA, NY 13861-0050
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2025 · Amount on File
Deed Sale	Feb 19, 2025 · Amount on File
Prior Sale	Jul 3, 2024 · Amount on File
Deed Document Number	20252025-622
Prior Transfer Date	Jul 27, 2016
Record Updated	Oct 29, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Jan 3, 2019
Property Address	10 RICHARDS AVE, ONEONTA, NY 13820-1123
Document Number	0000000047
Instrument Date	Dec 28, 2018
Instrument	2019-047
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 SILLIMAN CV # 117, 117, MARYLAND, NY 12116-1750

Mortgage

Document Number	0000000048
Date	Jan 3, 2019
Instrument	2019-048

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 10 Richards Ave was $1,360, down 43.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,360.00 (-43.31%)
2025	$2,399.00	$42,900 Land $21,900 Building $21,000	$61,286 Land $31,286 Building $30,000
2023	$1,242.00	$100,000 (-) Land $21,900 Building $78,100	$128,205 (+12.82%) Land $28,077 Building $100,128
2022		$100,000 Land $21,900 Building $78,100	$113,636 Land $24,886 Building $88,750

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

Flood

FEMA maps place 10 Richards Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2006.

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	5 (2006–2013)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jul 2013 · river or lake flooding
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 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

Wildfire risk around 10 Richards Ave 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.

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 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