15 Frederick St, Oneonta, NY 13820 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 921 sqft · built 1978
Lot Size	0.06 acres (2,614 sqft)
Owner	2 Individual Names on Record
Last Sale	$79,500 (Oct 2019)
Tax Bill	$2,779 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 300.8-1-21`

Property Details

APN / Parcel Number

Primary APN	`361200 300.8-1-21`
Alternative APNs	`120030000800010210000000` `3911 5035`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	921 sqft Living Area
1st Floor Area	921 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	50 ft deep x 55 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 5035
Street Address	15 FREDERICK ST
City	ONEONTA
State	NY
Zip	13820-2012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	1
Legal Lot Number	21.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2019
Census Tract	590900

Owner

Source: Otsego County and Oneonta City records, as of April 30, 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 Record
Mailing Address	2454 SHERMAN HILL RD, FRANKLIN, NY 13775-3910
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2019 · Amount on Record
Deed Sale	Oct 4, 2019 · Amount on Record
Prior Sale	Sep 27, 2010 · Amount on Record
Deed Document Number	20194541
Record Updated	Jun 8, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Oct 4, 2019
Property Address	15 FREDERICK ST, ONEONTA, NY 13820-2012
Document Number	0000004541
Instrument Date	Sep 17, 2019
Instrument	4541
Transaction Type	Transfer
Record Updated	Oct 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$318.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2454 SHERMAN HILL RD FRANKLIN NY 137753910, FRANKLIN, NY 13775-3910

Mortgage

Document Number	4542
Date	Oct 4, 2019
Instrument	4542

Lender

Name	COMMUNITY BK NA
Address	OLEAN, NY 14760

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2049

Tax Assessment & Valuation

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
2025	$2,779.00	$58,000 (-) Land $6,600 Building $51,400	$81,690 (+14.08%) Land $9,296 Building $72,394
2023		$58,000 Land $6,600 Building $51,400	$71,605 Land $8,148 Building $63,457

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

Flood

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1986–2011)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Severe Storms And Flooding, Jun 2006 · 2 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

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

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 223 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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