Otsego County and Oneonta Town property record for 15 Shepherd Ave, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,042 sqft · built 1920 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (Aug 2011) |
| Tax Bill | $2,904 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 364600 299.07-3-29.00 |
| Primary APN | 364600 299.07-3-29.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,042 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Upper Floors Area | 370 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 176 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 033500 |
|---|---|
| Street Address | 15 SHEPHERD AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 994 0 0 |
| Legal Block | 3 |
| Legal Lot Number | 29.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 590800 |
Source: Otsego County and Oneonta Town assessment roll, 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 File |
|---|---|
| Mailing Address | 15 SHEPHERD AVE, ONEONTA, NY 13820-2136 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA |
| Oct 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 29, 2011 · Amount on Record |
| Deed Sale | Aug 29, 2011 · Amount on Record |
| Prior Sale | Apr 1, 1994 · Amount on Record |
| Deed Book / Page | 2011 / 3978 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 15 SHEPHERD AVE, ONEONTA, NY 13820-2136 |
| Document Number | 0000004131 |
| Instrument Date | Sep 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2020 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|---|
| Address | 15 SHEPHERD AVE ONEONTA NY 138202136, ONEONTA, NY 13820-2136 |
| Document Number | 0000004131 |
|---|---|
| Date | Sep 25, 2020 |
| Instrument | 4131 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 24, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 15 SHEPHERD AVE, ONEONTA, NY 13820-2136 |
| Document Number | 0000005350 |
| Instrument Date | Oct 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 15 SHEPHERD AVE ONEONTA NY 138202136, ONEONTA, NY 13820-2136 |
| Document Number | 0000005350 |
|---|---|
| Date | Nov 13, 2019 |
| Instrument | 5350 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 12, 2039 |
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 |
|---|---|---|---|
| 2025 | $2,904.00 (+196.93%) | $105,900 (-) Land $21,100 Building $84,800 | $151,286 (+11.43%) Land $30,143 Building $121,143 |
| 2023 | $978.00 Homeowner's exemption | $105,900 (-) Land $21,100 Building $84,800 | $135,769 (+12.82%) Land $27,051 Building $108,718 |
| 2022 | $105,900 Land $21,100 Building $84,800 | $120,341 Land $23,977 Building $96,364 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 13 (1993–2011) |
| Claims Outside the SFHA | 7 of 13 |
| 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.
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 |
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 376 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 |
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