14 Division St, Oneonta, NY 13820 Property Records

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

Property Summary

Property Type	Triplex
Details	4 bd · 3 ba · 2,268 sqft · built 1900
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$116,000 (Sep 2019)
Tax Bill	$6,793 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 300.6-2-15`

Property Details

APN / Parcel Number

Primary APN	`361200 300.6-2-15`
Alternative APNs	`120030000600020150000000` `3911 0908`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,268 sqft Total Area
1st Floor Area	1,110 sqft
2nd Floor Area	1,158 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	182 ft deep x 33 ft wide
Garage Type	Detached
Garage Area	280 sqft
Porch	Slab
Porch Area	396 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 0908
Street Address	14 DIVISION ST
City	ONEONTA
State	NY
Zip	13820-2831
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	140
Legal Block	2
Legal Lot Number	15.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2000
Census Tract	591100

Owner

Source: Otsego County and Oneonta City records · APN 361200 300.6-2-15

Assessment roll updated April 30, 2026 · Last verified May 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 File
Mailing Address	552 BUCKHORN LAKE RD, UNADILLA, NY 13849-1227
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 04, 2019 · Amount on Record
Deed Sale	Sep 04, 2019 · Amount on Record
Prior Sale	May 30, 1995 · Amount on Record
Deed Document Number	20193946
Record Updated	Jun 08, 2026

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Sep 04, 2019
Property Address	14 DIVISION ST, ONEONTA, NY 13820-2831
Document Number	0000003946
Instrument Date	Aug 09, 2019
Instrument	3946
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	EQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$464.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 BUCKHORN LAKE RD UNADILLA NY 138491227, UNADILLA, NY 13849-1227

Mortgage

Document Number	3947
Date	Sep 04, 2019
Instrument	3947

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 03, 2049

Tax Assessment & Valuation

Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,793.00	$159,000 (-) Land $14,100 Building $144,900	$223,944 (+14.08%) Land $19,859 Building $204,085
2023		$159,000 Land $14,100 Building $144,900	$196,296 Land $17,407 Building $178,889

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 20, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	20 (1986–2014)
Claims Outside the SFHA	4 of 20
Most Recent Claim	Feb 2014
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 9 claims Severe Storms And Flooding, Jun 2006 · 7 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 252 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ONEONTA CITY serves 15,954 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.