14 Gardner Pl, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 14 Gardner Pl, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,379 sqft · built 1920
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$126,500 (Sep 2019)
Tax Bill	$5,055 (2026)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`361200 288.19-1-31`

Property Details

APN / Parcel Number

Primary APN	`361200 288.19-1-31`
Alternative APNs	`120028801900010310000000` `3911 1475`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,379 sqft Living Area
1st Floor Area	833 sqft
Upper Floors Area	546 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1990
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	124 ft deep x 53 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	268 sqft
Canopy	45 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 1475
Street Address	14 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	31.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1000
Census Tract	590900

Owner

14 Gardner Pl is owned and occupied by two individuals who bought it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	14 GARDNER PL, ONEONTA, NY 13820-1906
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

Date	Document
Sep 20, 2019	Deed of Trust, Mortgage COMMUNITY BK NA
Sep 23, 2019	Warranty Deed, Transfer · Conventional with PMI COMMUNITY BK NA
Jul 11, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2019 · Amount on File
Deed Sale	Sep 23, 2019 · Amount on File
Prior Sale	Jul 11, 2017 · Amount on File
Deed Document Number	20194286
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	14 GARDNER PL, ONEONTA, NY 13820-1906
Document Number	0000004287
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 4, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1975 COUNTY HIGHWAY 8 OTEGO NY 138252255, OTEGO, NY 13825-2255

Mortgage

Document Number	0000004287
Date	Sep 23, 2019
Instrument	4287

Lender

Name	COMMUNITY BK NA
Address	OLEAN, NY 14760

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 22, 2049

Interest

Rate Type	Fixed Rate

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Sep 23, 2019
Property Address	14 GARDNER PL, ONEONTA, NY 13820-1906
Document Number	0000004286
Instrument Date	Sep 20, 2019
Instrument	4286
Transaction Type	Transfer
Record Updated	Oct 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$506.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1975 COUNTY HIGHWAY 8 OTEGO NY 138252255, OTEGO, NY 13825-2255

Mortgage

Document Number	4287
Date	Sep 23, 2019
Instrument	4287

Lender

Name	COMMUNITY BK NA
Address	OLEAN, NY 14760

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 22, 2049

Interest

Rate Type	Fixed Rate

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Jul 11, 2017
Property Address	14 GARDNER PL, ONEONTA, NY 13820-1906
Document Number	0000003180
Instrument Date	Jun 23, 2017
Instrument	3180
Transaction Type	Transfer
Record Updated	Aug 22, 2017

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 BAILEY AVE LATHAM NY 121102441, LATHAM, NY 12110-2441

Tax Assessment & Valuation

The 2026 property tax bill for 14 Gardner Pl was $5,055, up 2.5% 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	$5,055.00 (+2.47%)
2025	$4,933.00	$130,000 Land $14,800 Building $115,200	$183,099 Land $20,845 Building $162,254
2023		$130,000 Land $14,800 Building $115,200	$160,494 Land $18,272 Building $142,222

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

Flood

FEMA maps place 14 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 14 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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