Otsego County and Oneonta City property record for 16 Gault Ave, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,332 sqft · built 1915 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $159,900 (Sep 2026) |
| Tax Bill | $4,091 (2026) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Oct 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.18-6-9 |
| Primary APN | 361200 288.18-6-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,332 sqft Living Area |
| 1st Floor Area | 708 sqft |
| 2nd Floor Area | 624 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 101 ft deep x 47 ft wide |
| Garage Type | Detached |
| Garage Area | 192 sqft |
| Porch | Porch |
| Porch Area | 72 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 1493 |
|---|---|
| Street Address | 16 GAULT AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1908 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 6 |
| Legal Lot Number | 9.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 590900 |
16 Gault Ave is owned and occupied by two individuals who bought it in September 2026.
Source: Otsego County and Oneonta City records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1050 HUSKA RD, DELANCEY, NY 13752-2136 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Sep 4, 2026 | Executor's Deed, Transfer · Stand-Alone First Mortgage DELAWARE NATIONAL BANK |
| Oct 5, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2026 · Amount on File |
| Deed Sale | Sep 4, 2026 · Amount on File |
| Prior Sale | May 22, 2006 · Amount on File |
| Deed Document Number | 20263998 |
| Record Updated | Oct 29, 2026 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Sep 4, 2026 |
| Property Address | 16 GAULT AVE, ONEONTA, NY 13820-1908 |
| Document Number | 0000003998 |
| Instrument Date | Aug 27, 2026 |
| Instrument | 20263998 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1050 HUSKA RD, DELANCEY, NY 13752-2136 |
| Date | Sep 4, 2026 |
|---|
| Name | DELAWARE NATIONAL BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 16 GAULT AVE, ONEONTA, NY 13820-1908 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 503 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 2021-5503 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2041 |
The 2026 property tax bill for 16 Gault Ave was $4,091 with a homeowner's exemption, up 17.4% 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 | $4,091.00 (+17.39%) Homeowner's exemption | ||
| 2025 | $3,485.00 | $105,000 Land $12,700 Building $92,300 | $147,887 Land $17,887 Building $130,000 |
| 2023 | $105,000 Land $12,700 Building $92,300 | $129,630 Land $15,679 Building $113,951 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Gault 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 |
|
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 16 Gault 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 |
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 661 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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