15 E Center St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 15 E Center St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,216 sqft · built 1991
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$273,520 (Aug 2025)
Tax Bill	$5,745 (2025)
Deeds & Mortgages	May 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`361200 288.19-2-11.4`

Property Details

APN / Parcel Number

Primary APN	`361200 288.19-2-11.4`
Alternative APNs	`120028801900020110040000` `3911 1084`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,216 sqft Living Area
1st Floor Area	928 sqft
Upper Floors Area	288 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1995
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	23,958 sqft (0.55 acres)
Lot Width	198 ft Width
Garage Type	Basement
Porch	Slab
Porch Area	556 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 1084
Street Address	15 E CENTER ST
City	ONEONTA
State	NY
Zip	13820-2043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	2
Legal Lot Number	11.004
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1000
Census Tract	590900

Owner

Source: Otsego County and Oneonta City records · APN 361200 288.19-2-11.4

Assessment roll updated April 30, 2026 · Last verified July 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	8 IVY CT, ONEONTA, NY 13820-1408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 12, 2025 · Amount on Record
Deed Sale	Aug 12, 2025 · Amount on Record
Prior Sale	Oct 16, 1995 · Amount on Record
Deed Document Number	20253049
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	15 E CENTER ST, ONEONTA, NY 13820-2043
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	954
Date	May 28, 2021
Instrument	2021-2954

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 01, 2041

Tax Assessment & Valuation

Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified July 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

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	$5,745.00	$165,000 (-) Land $31,000 Building $134,000	$232,394 (+14.08%) Land $43,662 Building $188,732
2023		$165,000 Land $31,000 Building $134,000	$203,704 Land $38,272 Building $165,432

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Otsego County (36077C), updated March 20, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360775909001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 318 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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

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 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.