11 Richards Ave, Oneonta, NY 13820 Property Records

Otsego County and Oneonta Town property record for 11 Richards Ave, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,838 sqft · built 1940
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$139,000 (Sep 2022)
Tax Bill	$2,711 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`364600 299.07-1-29.00`

Property Details

APN / Parcel Number

Primary APN	`364600 299.07-1-29.00`
Alternative APNs	`460029900700010290000000` `025310`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,838 sqft Living Area
1st Floor Area	1,166 sqft
Upper Floors Area	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1975
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Porch	Slab
Porch Area	268 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	025310
Street Address	11 RICHARDS AVE
City	ONEONTA
State	NY
Zip	13820-1122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	964 0 0
Legal Block	1
Legal Lot Number	29.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2022
Census Tract	590800

Owner

Source: Otsego County and Oneonta Town records · APN 364600 299.07-1-29.00

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	70 MARKET ST, 2, ONEONTA, NY 13820-3515
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 09, 2022 · Amount on Record
Deed Sale	Sep 09, 2022 · Amount on Record
Deed Document Number	20224939
Prior Transfer Date	Apr 21, 2006
Prior Transfer Doc	0010930315
Record Updated	Jun 08, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Sep 09, 2022
Property Address	11 RICHARDS AVE, ONEONTA, NY 13820-1122
Document Number	0000000939
Instrument Date	Sep 07, 2022
Instrument	2022-4939
Transaction Type	Transfer
Record Updated	Oct 04, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 MARKET ST APT 2, 2, ONEONTA, NY 13820-3515

Mortgage

Document Number	0000000940
Date	Sep 09, 2022
Instrument	2022-4940

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

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	$2,711.00 (+124.98%)	$84,600 (-43.64%) Land $24,700 Building $59,900	$120,857 (-37.2%) Land $35,286 Building $85,571
2023	$1,205.00	$150,100 (-) Land $24,700 Building $125,400	$192,436 (+12.82%) Land $31,667 Building $160,769
2022		$150,100 Land $24,700 Building $125,400	$170,568 Land $28,068 Building $142,500

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 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

Wildfire

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 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

Based on FCC filings for 376 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.