15 Roosevelt Ave, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 15 Roosevelt Ave, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,768 sqft · built 1928
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Tax Bill	$6,020 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 288.18-6-37`

Property Details

APN / Parcel Number

Primary APN	`361200 288.18-6-37`
Alternative APNs	`120028801800060370000000` `3911 2908`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,768 sqft Living Area
1st Floor Area	884 sqft
2nd Floor Area	884 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	65.2 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	236 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 2908
Street Address	15 ROOSEVELT AVE
City	ONEONTA
State	NY
Zip	13820-1911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	6
Legal Lot Number	37.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1008
Census Tract	590900

Owner

15 Roosevelt Ave is owned and occupied by an individual who acquired it in September 2008.

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

Owner of Record	Individual Name on File
Mailing Address	15 ROOSEVELT AVE, ONEONTA, NY 13820-1911
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

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Dec 24, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 13, 2008
Transfer Doc	1118001125
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	15 ROOSEVELT AVE, ONEONTA, NY 13820-1911
Transaction Type	Mortgage
Record Updated	Nov 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	959
Date	Oct 27, 2021
Instrument	2021-5959

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	15 ROOSEVELT AVE, ONEONTA, NY 13820-1911
Document Number	0000000002
Instrument Date	Dec 24, 2019
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 ROOSEVELT AVE ONEONTA NY 138201911, ONEONTA, NY 13820-1911

Mortgage

Document Number	0000000002
Date	Jan 2, 2020
Instrument	2

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 15 Roosevelt Ave was $6,020, 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	$6,020.00 (+2.47%)
2025	$5,875.00	$155,000 Land $9,600 Building $145,400	$218,310 Land $13,521 Building $204,789
2023		$155,000 Land $9,600 Building $145,400	$191,358 Land $11,852 Building $179,506

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

Flood

FEMA maps place 15 Roosevelt Ave 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
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

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 15 Roosevelt Ave 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 318 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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