Otsego County and Oneonta City property record for 148 Henry St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,964 sqft · built 1975 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $123,404 (May 2007) |
| Tax Bill | $6,136 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Apr 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 299.16-2-39 |
| Primary APN | 361200 299.16-2-39 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,964 sqft Living Area |
| 1st Floor Area | 1,203 sqft |
| Basement Area | 761 sqft |
| Finished Basement | 761 sqft |
| Game Room | Game Room |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Raised Ranch |
| Exterior Material | Composition/Composite |
| Lot Area | 22,651 sqft (0.52 acres) |
| Lot Dimensions | 150 ft deep x 150 ft wide |
| Garage Type | Basement |
| Porch | Slab |
| Porch Area | 168 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 1647 |
|---|---|
| Street Address | 148 HENRY ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 2 |
| Legal Lot Number | 39.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 591100 |
148 Henry St is owned and occupied by two individuals who bought it in May 2007.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 148 HENRY ST, ONEONTA, NY 13820-2209 |
| 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.
| Date | Document |
|---|---|
| Jul 20, 2026 | Deed of Trust, Mortgage · Line of Credit BANK NATIONAL ASSOCIATION |
| Apr 30, 2024 | Deed of Trust, Mortgage · Line of Credit SIDNEY FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2007 · Amount on File |
| Deed Sale | May 1, 2007 · Amount on File |
| Prior Sale | Jan 24, 2007 · Amount on File |
| Deed Book / Page | 1104 / 261 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jul 20, 2026 |
| Property Address | 148 HENRY ST, ONEONTA, NY 13820-2209 |
| Document Number | 0000003246 |
| Instrument Date | Jul 3, 2026 |
| Instrument | 20263246 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 148 HENRY ST, ONEONTA, NY 13820-2209 |
| Document Number | 0000003246, |
|---|---|
| Date | Jul 20, 2026 |
| Instrument | 20263246 |
| Name | BANK NATIONAL ASSOCIATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 148 HENRY ST, ONEONTA, NY 13820-2209 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000000630 |
|---|---|
| Date | Apr 30, 2024 |
| Instrument | 2024-1630 |
| Name | SIDNEY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 148 Henry St was $6,136, up 2.5% from the year before.
Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,136.00 (+2.47%) | ||
| 2025 | $5,988.00 | $158,000 Land $25,800 Building $132,200 | $222,535 Land $36,338 Building $186,197 |
| 2023 | $158,000 Land $25,800 Building $132,200 | $195,062 Land $31,852 Building $163,210 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 148 Henry St in Zone X, an area of minimal 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 minimal risk |
|---|---|
| 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 |
|
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 risk around 148 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.
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 |
| 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.
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 |
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