Otsego County and Oneonta Town property record for 109 Middle Ct, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,500 sqft · built 2000 |
| Lot Size | 0.76 acres (33,106 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,182 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 364600 301.07-1-17.00 |
| Primary APN | 364600 301.07-1-17.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| Upper Floors Area | 500 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 33,106 sqft (0.76 acres) |
| Lot Width | 113 ft Width |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 224077 |
|---|---|
| Street Address | 109 MIDDLE CT |
| City | ONEONTA |
| State | NY |
| Zip | 13820-3231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 003MORNINGSIDE SUB 1 29 |
| Legal Block | 1 |
| Legal Lot Number | 17.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 590800 |
109 Middle Ct is owned and occupied by two individuals.
Source: Otsego County and Oneonta Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 MIDDLE CT, ONEONTA, NY 13820-3231 |
| 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 |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 109 Middle Ct was $6,182 with a homeowner's exemption, up 0.8% from the year before.
Source: Otsego County and Oneonta Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Oneonta Town |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,182.00 (+0.82%) Homeowner's exemption | ||
| 2025 | $6,132.00 | $195,200 Land $42,700 Building $152,500 | $278,857 Land $61,000 Building $217,857 |
| 2023 | $1,755.00 Homeowner's exemption | $195,200 (-) Land $42,700 Building $152,500 | $250,256 (+12.82%) Land $54,743 Building $195,513 |
| 2022 | $195,200 Land $42,700 Building $152,500 | $221,818 Land $48,523 Building $173,295 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Middle Ct in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
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 | 7 in force |
| Nearby Flood Claims | 3 (1979–2006) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Jun 2006 · Severe Storms And Flooding |
| Claims by Event |
|
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 109 Middle Ct 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.
Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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