Otsego County and Oneonta Town property record for 148 Morningside Dr, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,744 sqft · built 1972 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Dec 2016) |
| Tax Bill | $5,609 (2026) |
| Deeds & Mortgages | Oct 2021 Refinance Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 364600 301.11-1-35.00 |
| Primary APN | 364600 301.11-1-35.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,744 sqft Living Area |
| 1st Floor Area | 1,264 sqft |
| Basement Area | 480 sqft |
| Finished Basement | 480 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Split Level |
| Exterior Material | Wood |
| Lot Area | 23,522 sqft (0.54 acres) |
| Lot Dimensions | 200 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 564 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 186977 |
|---|---|
| Street Address | 148 MORNINGSIDE DR |
| City | ONEONTA |
| State | NY |
| Zip | 13820-3217 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 980MORNINGSIDE SUB 1 3 |
| Legal Block | 1 |
| Legal Lot Number | 35.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 590800 |
148 Morningside Dr is owned and occupied by an individual who bought it in December 2016.
Source: Otsego County and Oneonta Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 148 MORNINGSIDE DR, ONEONTA, NY 13820-3217 |
| 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 |
|---|---|
| Oct 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Feb 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Feb 21, 2020 | Loan Modification, Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 1, 2016 · Amount on File |
| Deed Sale | Dec 1, 2016 · Amount on File |
| Deed Book / Page | 2016 / 5971 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 148 MORNINGSIDE DR, ONEONTA, NY 13820-3217 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 820 |
|---|---|
| Date | Oct 20, 2021 |
| Instrument | 2021-5820 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 313 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 148 MORNINGSIDE DR, ONEONTA, NY 13820-3217 |
| Document Number | 0000001096 |
| Instrument Date | Feb 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 148 MORNINGSIDE DR ONEONTA NY 138203217, ONEONTA, NY 13820-3217 |
| Document Number | 0000001096 |
|---|---|
| Date | Mar 5, 2020 |
| Instrument | 1096 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 4, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 148 MORNINGSIDE DR, ONEONTA, NY 13820-3217 |
| Document Number | 0000001097 |
| Instrument Date | Feb 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 148 MORNINGSIDE DR ONEONTA NY 138203217, ONEONTA, NY 13820-3217 |
| Document Number | 0000001097 |
|---|---|
| Date | Mar 5, 2020 |
| Instrument | 1097 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 148 Morningside Dr was $5,609, up 0.3% from the year before.
Source: Otsego County and Oneonta Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Oneonta Town |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,609.00 (+0.25%) | ||
| 2025 | $5,595.00 | $177,000 Land $38,300 Building $138,700 | $252,857 Land $54,714 Building $198,143 |
| 2023 | $1,595.00 | $177,000 (-) Land $38,300 Building $138,700 | $226,923 (+12.82%) Land $49,103 Building $177,820 |
| 2022 | $177,000 Land $38,300 Building $138,700 | $201,136 Land $43,523 Building $157,613 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 148 Morningside Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 3 (1979–2006) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Jun 2006 · Severe Storms And Flooding |
| 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 Morningside Dr 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.
Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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