11 Forest Ave, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 11 Forest Ave, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,248 sqft · built 1992
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$162,500 (Sep 2019)
Tax Bill	$5,634 (2026)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 300.8-1-8.2`

Property Details

APN / Parcel Number

Primary APN	`361200 300.8-1-8.2`
Alternative APNs	`120030000800010080020000` `3911 1395`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Game Room	Game Room

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	153 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 1395
Street Address	11 FOREST AVE
City	ONEONTA
State	NY
Zip	13820-2010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	1
Legal Lot Number	8.002
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2018
Census Tract	590900

Owner

11 Forest Ave is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	11 FOREST AVE, ONEONTA, NY 13820-2010
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2019	Deed of Trust, Mortgage · Conventional with PMI HOMESTEAD FNDG
Sep 10, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2019 · Amount on File
Deed Sale	Sep 10, 2019 · Amount on File
Prior Sale	May 18, 2010 · Amount on File
Deed Document Number	20194065
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	11 FOREST AVE, ONEONTA, NY 13820-2010
Document Number	0000004066
Instrument Date	Sep 6, 2019
Transaction Type	Mortgage
Record Updated	Sep 23, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 GARDNER PL #48 ONEONTA NY 138201605, 48, ONEONTA, NY 13820-1605

Mortgage

Document Number	0000004066
Date	Sep 10, 2019
Instrument	4066

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2049

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Sep 10, 2019
Property Address	11 FOREST AVE, ONEONTA, NY 13820-2010
Document Number	0000004065
Instrument Date	Sep 4, 2019
Instrument	4065
Transaction Type	Transfer
Record Updated	Sep 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 GARDNER PL #48 ONEONTA NY 138201605, 48, ONEONTA, NY 13820-1605

Mortgage

Document Number	4066
Date	Sep 10, 2019
Instrument	4066

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 11 Forest Ave was $5,634, up 2.5% from the year before.

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
2026	$5,634.00 (+2.47%)
2025	$5,498.00	$145,000 Land $15,500 Building $129,500	$204,225 Land $21,831 Building $182,394
2023		$145,000 Land $15,500 Building $129,500	$179,012 Land $19,136 Building $159,876

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

Flood

FEMA maps place 11 Forest Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1986–2011)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Severe Storms And Flooding, Jun 2006 · 2 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 11 Forest 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

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 223 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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