Otsego County and Oneonta Town property record for 12 Shepherd Ave, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,144 sqft · built 1923 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $147,358 (Jul 2026) |
| Tax Bill | $3,715 (2026) |
| Deeds & Mortgages | Jul 2026 Sale Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 364600 299.07-3-19.00 |
| Primary APN | 364600 299.07-3-19.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,144 sqft Living Area |
| 1st Floor Area | 572 sqft |
| 2nd Floor Area | 572 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 131 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 220 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 098600 |
|---|---|
| Street Address | 12 SHEPHERD AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 998 0 0 |
| Legal Block | 3 |
| Legal Lot Number | 19.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 590800 |
12 Shepherd Ave is owned by an individual who bought it in July 2026.
Source: Otsego County and Oneonta Town records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 106 DIVISION ST, SARATOGA SPRINGS, NY 12866-3003 |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| Jul 21, 2026 | Warranty Deed, Transfer |
| Aug 31, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2026 · Amount on File |
| Deed Sale | Jul 21, 2026 · Amount on File |
| Prior Sale | Aug 31, 2021 · Amount on File |
| Deed Document Number | 20263268 |
| Prior Transfer Date | Jun 16, 2026 |
| Prior Transfer Doc | 0000003268 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jul 21, 2026 |
| Property Address | 12 SHEPHERD AVE, ONEONTA, NY 13820-2137 |
| Document Number | 0000003268 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 20263268 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 31, 2021 |
| Property Address | 12 SHEPHERD AVE, ONEONTA, NY 13820-2137 |
| Document Number | 836 |
| Instrument Date | Aug 20, 2021 |
| Instrument | 2021-4836 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2021 |
| Amount | Amount 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 | Joint Tenants |
| Address | 71 SHERMAN ST APT 2, 2, PORTLAND, ME 04101-2207 |
| Document Number | 837 |
|---|---|
| Date | Aug 31, 2021 |
| Instrument | 2021-4837 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 12 Shepherd Ave was $3,715, down 5.3% from the year before.
Source: Otsego County and Oneonta Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Oneonta Town |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,715.00 (-5.28%) | ||
| 2025 | $3,922.00 | $115,900 Land $20,900 Building $95,000 | $165,571 Land $29,857 Building $135,714 |
| 2023 | $1,312.00 | $115,900 (-) Land $20,900 Building $95,000 | $148,590 (+12.82%) Land $26,795 Building $121,795 |
| 2022 | $115,900 Land $20,900 Building $95,000 | $131,705 Land $23,750 Building $107,955 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Shepherd Ave in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1993.
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 | 5 in force |
| Nearby Flood Claims | 13 (1993–2011) |
| Claims Outside the SFHA | 7 of 13 |
| 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.
Wildfire risk around 12 Shepherd 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.
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 191 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 |
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