Otsego County and Oneonta City property record for 145 River St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,932 sqft · built 2009 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $281,000 (Jun 2021) |
| Tax Bill | $7,382 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Feb 2019 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 361200 299.16-2-28 |
| Primary APN | 361200 299.16-2-28 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,932 sqft Living Area |
| 1st Floor Area | 1,288 sqft |
| Upper Floors Area | 644 sqft |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 16,988 sqft (0.39 acres) |
| Lot Dimensions | 86 ft deep x 150 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 220 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2767 |
|---|---|
| Street Address | 145 RIVER ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 230 |
| Legal Block | 2 |
| Legal Lot Number | 28.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 591100 |
Source: Otsego County and Oneonta City records · APN 361200 299.16-2-28
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 145 RIVER ST, ONEONTA, NY 13820-2239 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 11, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage QUICKEN LOANS INC |
| Feb 19, 2019 | Deed of Trust, Mortgage · Conventional with PMI NBT BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 11, 2021 · Amount on Record |
| Deed Sale | Jun 11, 2021 · Amount on Record |
| Prior Sale | Nov 09, 2011 · Amount on Record |
| Deed Document Number | 20212021-3249 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jun 11, 2021 |
| Property Address | 145 RIVER ST, ONEONTA, NY 13820-2239 |
| Document Number | 249 |
| Instrument Date | Jun 08, 2021 |
| Instrument | 2021-3249 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 139 BURTIS POINT RD, AUBURN, NY 13021-9674 |
| Document Number | 250 |
|---|---|
| Date | Jun 11, 2021 |
| Instrument | 2021-3250 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 145 RIVER ST, ONEONTA, NY 13820-2239 |
| Document Number | 0000000946 |
| Instrument Date | Feb 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 03, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 145 RIVER ST ONEONTA NY 138202239, ONEONTA, NY 13820-2239 |
| Document Number | 0000000946 |
|---|---|
| Date | Mar 01, 2019 |
| Instrument | 946 |
| Name | NBT BK |
|---|---|
| Type | Bank |
| Address | NORWICH, NY 13815 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 28, 2034 |
Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (PK - 12) |
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 | $7,382.00 | $195,000 (-) Land $22,900 Building $172,100 | $274,648 (+14.08%) Land $32,254 Building $242,394 |
| 2023 | $195,000 Land $22,900 Building $172,100 | $240,741 Land $28,272 Building $212,469 |
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
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 | 11 (1978–2011) |
| Claims Outside the SFHA | 2 of 11 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| Claims by Event |
|
| 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 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.
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 |
Based on FCC filings for 180 locations within half a mile of this property.
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 |
| 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.
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