Otsego County and Oneonta City property record for 11 Union St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,083 sqft · built 1923 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (Oct 2024) |
| Tax Bill | $5,735 (2026) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Apr 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.18-2-33 |
| Primary APN | 361200 288.18-2-33 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,083 sqft Living Area |
| 1st Floor Area | 1,069 sqft |
| Upper Floors Area | 1,014 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Stucco |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 113 ft deep x 50 ft wide |
| Garage Type | Mixed |
| Garage Area | 288 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 362 sqft |
| Patio Area | 21 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3251 |
|---|---|
| Street Address | 11 UNION ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 2 |
| Legal Lot Number | 33.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 591000 |
11 Union St is owned and occupied by two individuals who bought it in October 2024.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 ACADEMY ST, B, ONEONTA, NY 13820-2403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 9, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP |
| Apr 8, 2019 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 18, 2024 · Amount on File |
| Deed Sale | Oct 18, 2024 · Amount on File |
| Prior Sale | Nov 9, 2021 · Amount on File |
| Deed Document Number | 20242024-4161 |
| Prior Transfer Date | Jan 18, 2008 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Nov 9, 2021 |
| Property Address | 11 UNION ST, ONEONTA, NY 13820-1630 |
| Document Number | 245 |
| Instrument Date | Nov 3, 2021 |
| Instrument | 2021-6245 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 7276 CARTHAGE CREEK DR, TYLER, TX 75703-6052 |
| Document Number | 246 |
|---|---|
| Date | Nov 9, 2021 |
| Instrument | 2021-6246 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Apr 8, 2019 |
| Property Address | 11 UNION ST, ONEONTA, NY 13820-1630 |
| Document Number | 0000001507 |
| Instrument Date | Apr 3, 2019 |
| Instrument | 1507 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $4.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 UNION ST ONEONTA NY 138201630, ONEONTA, NY 13820-1630 |
The 2026 property tax bill for 11 Union St was $5,735 with exemptions applied, down 12.5% from the year before.
Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,735.00 (-12.48%) Disabled Person's exemption Veteran's exemption | ||
| 2025 | $6,553.00 | $173,000 Land $14,100 Building $158,900 | $243,662 Land $19,859 Building $223,803 |
| 2023 | $173,000 Land $14,100 Building $158,900 | $213,580 Land $17,407 Building $196,173 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Union St 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 | 2 in force |
| Nearby Flood Claims | 1 (1979) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1979 · tidal / storm surge |
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 11 Union St 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 661 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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