14 Brook St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 14 Brook St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,520 sqft · built 1888
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$54,000 (Feb 2005)
Tax Bill	$5,132 (2026)
Deeds & Mortgages	Aug 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`361200 288.17-3-30`

Property Details

APN / Parcel Number

Primary APN	`361200 288.17-3-30`
Alternative APNs	`120028801700030300000000` `3911 0201`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,520 sqft Living Area
1st Floor Area	788 sqft
2nd Floor Area	732 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Wood
Foundation Type	Raised
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	90 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	260 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	270 sqft
Patio Area	165 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 0201
Street Address	14 BROOK ST
City	ONEONTA
State	NY
Zip	13820-1419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	3
Legal Lot Number	30.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2010
Census Tract	591000

Owner

14 Brook St is owned and occupied by two individuals who bought it in February 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	14 BROOK ST, ONEONTA, NY 13820-1419
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2005 · Amount on File
Deed Sale	Feb 17, 2005 · Amount on File
Deed Book / Page	1076 / 170
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	14 BROOK ST, ONEONTA, NY 13820-1419
Transaction Type	Mortgage
Record Updated	Sep 7, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	472
Date	Aug 12, 2021
Instrument	2021-4472

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Sep 1, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 14 Brook St was $5,132 with a homeowner's exemption, up 14% 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	$5,132.00 (+13.99%) Homeowner's exemption
2025	$4,502.00	$132,000 Land $15,500 Building $116,500	$185,915 Land $21,831 Building $164,084
2023		$132,000 Land $15,500 Building $116,500	$162,963 Land $19,136 Building $143,827

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

Flood

FEMA maps place 14 Brook 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	7 in force
Nearby Flood Claims	3 (2006–2011)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Severe Storms And Flooding, Jun 2006 · 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 14 Brook 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.

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 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