147 Henry St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 147 Henry St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1972
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$79,000 (May 2013)
Tax Bill	$4,901 (2026)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`361200 299.16-2-55`

Property Details

APN / Parcel Number

Primary APN	`361200 299.16-2-55`
Alternative APNs	`120029901600020550000000` `3911 3719`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	80 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	336 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 3719
Street Address	147 HENRY ST
City	ONEONTA
State	NY
Zip	13820-2208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Description	LIFE ESTATE > F LACIJAN
Legal Block	2
Legal Lot Number	55.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1016
Census Tract	591100

Owner

147 Henry St is owned and occupied by two individuals who bought it in May 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	147 HENRY ST, ONEONTA, NY 13820-2208
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	May 15, 2013 · Amount on File
Deed Sale	May 15, 2013 · Amount on File
Prior Sale	Jun 2, 2006 · Amount on File
Deed Book / Page	2013 / 2581
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Jun 29, 2020
Property Address	147 HENRY ST, ONEONTA, NY 13820-2208
Document Number	0000002599
Instrument Date	Jun 15, 2020
Instrument	2599
Transaction Type	Transfer
Record Updated	Jul 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$557.00
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	246 RIVER ST #1 ONEONTA NY 138202242, 1, ONEONTA, NY 13820-2242

Mortgage

Document Number	2600
Date	Jun 29, 2020
Instrument	2600

Lender

Name	COMMUNITY BK NA
Address	OLEAN, NY 14760

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 147 Henry St was $4,901, 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	$4,901.00 (+2.49%)
2025	$4,782.00	$126,000 Land $18,300 Building $107,700	$177,465 Land $25,775 Building $151,690
2023		$126,000 Land $18,300 Building $107,700	$155,556 Land $22,593 Building $132,963

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

Flood

FEMA maps place 147 Henry St in Zone X, an area of moderate flood risk, though there have been 11 flood claims nearby since 1978.

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 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	Severe Storms And Flooding, Jun 2006 · 3 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 147 Henry 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 180 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