13 Gardner Pl, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 13 Gardner Pl, Oneonta, NY 13820

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,040 sqft · built 1915
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$189,900 (Nov 2021)
Tax Bill	$5,481 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Dec 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`361200 288.19-1-27.2`

Property Details

APN / Parcel Number

Primary APN	`361200 288.19-1-27.2`
Alternative APNs	`120028801900010270020000` `3911 1466`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,040 sqft Total Area
1st Floor Area	1,020 sqft
2nd Floor Area	1,020 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	98 ft deep x 66 ft wide
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 1466
Street Address	13 GARDNER PL
City	ONEONTA
State	NY
Zip	13820-1905
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	120
Legal Block	1
Legal Lot Number	27.002
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1002
Census Tract	590900

Owner

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	13 GARDNER PL, ONEONTA, NY 13820-1905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage KEY BANK NA
Dec 3, 2018	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2021 · Amount on Record
Deed Sale	Nov 8, 2021 · Amount on Record
Prior Sale	Dec 3, 2018 · Amount on Record
Deed Document Number	20216211
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Nov 8, 2021
Property Address	13 GARDNER PL, ONEONTA, NY 13820-1905
Document Number	211
Instrument Date	Nov 4, 2021
Instrument	2021-6211
Transaction Type	Transfer
Record Updated	Nov 30, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 GARDNER PL # 1, 1, ONEONTA, NY 13820-1905

Mortgage

Document Number	212
Date	Nov 8, 2021
Instrument	2021-6212

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Dec 3, 2018
Property Address	13 GARDNER PL, ONEONTA, NY 13820-1905
Document Number	0000005804
Instrument Date	Nov 28, 2018
Instrument	5804
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 MEADOW ST OTEGO NY 138252187, OTEGO, NY 13825-2187

Tax Assessment & Valuation

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	$5,481.00 (+2.54%)
2025	$5,345.00	$140,000 (-) Land $14,800 Building $125,200	$197,183 (+14.08%) Land $20,845 Building $176,338
2023		$140,000 Land $14,800 Building $125,200	$172,840 Land $18,272 Building $154,568

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

Flood

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

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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