Otsego County and Oneonta City property record for 110 River St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,712 sqft · built 1910 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $219,900 (Aug 2023) |
| Tax Bill | $4,650 (2026) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Jul 2022 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 361200 300.9-2-80 |
| Primary APN | 361200 300.9-2-80 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,712 sqft Living Area |
| 1st Floor Area | 1,036 sqft |
| 2nd Floor Area | 676 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 127 ft deep x 56 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 362 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2822 |
|---|---|
| Street Address | 110 RIVER ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2345 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Description | LIFE ESTATE > W RONOVECH |
| Legal Block | 2 |
| Legal Lot Number | 80.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 591100 |
Source: Otsego County and Oneonta City records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 110 RIVER ST, ONEONTA, NY 13820-2345 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 15, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage DELAWARE NATIONAL BANK |
| Jul 18, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 15, 2023 · Amount on Record |
| Deed Sale | Aug 15, 2023 · Amount on Record |
| Prior Sale | Jul 18, 2022 · Amount on Record |
| Deed Document Number | 20233255 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 15, 2023 |
| Property Address | 110 RIVER ST, ONEONTA, NY 13820-2345 |
| Document Number | 0000000255 |
| Instrument Date | Aug 14, 2023 |
| Instrument | 2023-3255 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2023 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 29 EAST ST, ONEONTA, NY 13820-1637 |
| Document Number | 0000000256 |
|---|---|
| Date | Aug 15, 2023 |
| Instrument | 2023-3256 |
| Name | DELAWARE NATIONAL BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jul 18, 2022 |
| Property Address | 110 RIVER ST, ONEONTA, NY 13820-2345 |
| Document Number | 0000000910 |
| Instrument Date | Jul 15, 2022 |
| Instrument | 2022-3910 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Amount | Amount Recorded |
|---|---|
| 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 | 18 CENTER ST, ONEONTA, NY 13820-1421 |
| Document Number | 0000000911 |
|---|---|
| Date | Jul 18, 2022 |
| Instrument | 2022-3911 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $4,650.00 (+2.49%) | ||
| 2025 | $4,537.00 | $119,500 (-) Land $14,100 Building $105,400 | $168,310 (+14.08%) Land $19,859 Building $148,451 |
| 2023 | $119,500 (+29.89%) Land $14,100 Building $105,400 | $147,531 (+47.53%) Land $17,407 Building $130,124 | |
| 2022 | $92,000 Land $14,100 Building $77,900 | $100,000 Land $15,326 Building $84,674 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 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 |
|
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.
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 | Direct burnable vegetation |
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 180 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures