Otsego County and Oneonta City property record for 156 River St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,768 sqft · built 1940 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $69,000 (Mar 2000) |
| Tax Bill | $5,245 (2026) |
| Deeds & Mortgages | May 2021 Refinance Aug 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 299.16-1-35 |
| Primary APN | 361200 299.16-1-35 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,768 sqft Living Area |
| 1st Floor Area | 1,468 sqft |
| Upper Floors Area | 322 sqft |
| Attic | Attic |
| Attic Area | 300 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 220 ft deep x 87 ft wide |
| Garage Type | Detached |
| Garage Area | 620 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 196 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2836 |
|---|---|
| Street Address | 156 RIVER ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 180 |
| Legal Block | 1 |
| Legal Lot Number | 35.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 591100 |
156 River St is owned and occupied by two individuals who bought it in March 2000.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 156 RIVER ST, ONEONTA, NY 13820-2240 |
| 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 |
|---|---|
| May 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Aug 10, 2018 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 3, 2000 · Amount on File |
| Deed Sale | Mar 3, 2000 · Amount on File |
| Deed Book / Page | 893 / 262 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 156 RIVER ST, ONEONTA, NY 13820-2240 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 927 |
|---|---|
| Date | May 26, 2021 |
| Instrument | 2021-2927 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 10, 2018 |
| Property Address | 156 RIVER ST, ONEONTA, NY 13820-2240 |
| Document Number | 0000003674 |
| Instrument Date | Aug 8, 2018 |
| Instrument | 3674 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2019 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 23 MILFORD NY 138070023, MILFORD, NY 13807-0023 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 156 River St was $5,245 with exemptions applied, up 32.4% from the year before.
Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,245.00 (+32.45%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $3,960.00 | $140,000 Land $21,400 Building $118,600 | $197,183 Land $30,141 Building $167,042 |
| 2023 | $140,000 Land $21,400 Building $118,600 | $172,840 Land $26,420 Building $146,420 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 156 River St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1978.
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 | 11 (1978–2011) |
| Claims Outside the SFHA | 2 of 11 |
| 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.
Wildfire risk around 156 River St 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.
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 180 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 |
| Verizon Fixed Wireless | 300 / 20 |
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