103 River St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 103 River St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,389 sqft · built 1900
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,388 (2025)
Flood Zone	Zone X (moderate risk)
APN	`361200 300.13-1-13`

Property Details

APN / Parcel Number

Primary APN	`361200 300.13-1-13`
Alternative APNs	`120030001300010130000000` `3911 2754`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,389 sqft Living Area
1st Floor Area	765 sqft
2nd Floor Area	624 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	165 ft deep x 58 ft wide
Porch	Slab
Porch Area	408 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 2754
Street Address	103 RIVER ST
City	ONEONTA
State	NY
Zip	13820-2344
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	1
Legal Lot Number	13.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1012
Census Tract	591100

Owner

Source: Otsego County and Oneonta City records · APN 361200 300.13-1-13

Assessment roll updated April 30, 2026 · Last verified May 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	103 RIVER ST, ONEONTA, NY 13820-2344
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Oct 06, 2006
Transfer Doc	0010981156
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,388.00	$102,000 (-) Land $17,100 Building $84,900	$143,662 (+14.08%) Land $24,085 Building $119,577
2023		$102,000 Land $17,100 Building $84,900	$125,926 Land $21,111 Building $104,815

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 20, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 180 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ONEONTA CITY serves 15,954 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.