12 Gardner Pl, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 12 Gardner Pl, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,568 sqft · built 1900
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Trust Names on File
Tax Bill	$4,380 (2026)
Deeds & Mortgages	Jul 2026 Transfer Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`361200 288.19-1-32`

Property Details

APN / Parcel Number

Primary APN	`361200 288.19-1-32`
Alternative APNs	`120028801900010320000000` `3911 1474`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	896 sqft
Upper Floors Area	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	128 ft deep x 53 ft wide
Porch	Slab
Porch Area	208 sqft
Patio Area	132 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 1474
Street Address	12 GARDNER PL
City	ONEONTA
State	NY
Zip	13820-1906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	1
Legal Lot Number	32.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1000
Census Tract	590900

Owner

12 Gardner Pl is owner-occupied and held in a trust since June 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	12 GARDNER PL, ONEONTA, NY 13820-1906
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Jul 20, 2026	Quit Claim Deed, Transfer Quitclaim
Sep 19, 2019	Deed of Trust, Mortgage · Line of Credit NBT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 1, 2026
Transfer Doc	0000003254
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO NY
Recording Date	Jul 20, 2026
Property Address	12 GARDNER PL, ONEONTA, NY 13820-1906
Document Number	0000003254
Instrument Date	Jun 1, 2026
Instrument	20263254
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	12 GARDNER PL, ONEONTA, NY 13820-1906

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	12 GARDNER PL, ONEONTA, NY 13820-1906
Document Number	0000005944
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 GARDNER PL ONEONTA NY 138201906, ONEONTA, NY 13820-1906

Mortgage

Document Number	0000005944
Date	Dec 19, 2019
Instrument	5944

Lender

Name	NBT BK
Type	Bank
Address	ONEONTA, NY 13820

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 12 Gardner Pl was $4,380 with exemptions applied, up 39.7% 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	$4,380.00 (+39.71%) Homeowner's exemption Senior Citizen's exemption
2025	$3,135.00	$112,500 Land $15,500 Building $97,000	$158,451 Land $21,831 Building $136,620
2023		$112,500 Land $15,500 Building $97,000	$138,889 Land $19,136 Building $119,753

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

Flood

FEMA maps place 12 Gardner Pl in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2006.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (2006–2011)
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 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 12 Gardner Pl 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	Direct burnable vegetation

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 318 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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