Otsego County and Oneonta City property record for 166 West St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,224 sqft · built 1920 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $233,200 (May 2026) |
| Tax Bill | $4,477 (2026) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Dec 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.13-1-48.2 |
| Primary APN | 361200 288.13-1-48.2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,224 sqft Living Area |
| 1st Floor Area | 600 sqft |
| 2nd Floor Area | 468 sqft |
| Upper Floors Area | 156 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 16,988 sqft (0.39 acres) |
| Lot Dimensions | 174 ft deep x 110 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 434 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3530 |
|---|---|
| Street Address | 166 WEST ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-4677 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 110 |
| Legal Block | 1 |
| Legal Lot Number | 48.002 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 591700 |
Source: Otsego County and Oneonta City records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1 LEWIS ST, ONEONTA, NY 13820-2653 |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| May 6, 2026 | Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE LLC |
| Dec 30, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA |
| Nov 30, 2018 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2026 · Amount on Record |
| Deed Sale | May 6, 2026 · Amount on Record |
| Prior Sale | Dec 30, 2022 · Amount on Record |
| Deed Document Number | 20262127 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | May 6, 2026 |
| Property Address | 166 WEST ST, ONEONTA, NY 13820-4677 |
| Document Number | 0000000127 |
| Instrument Date | Mar 18, 2026 |
| Instrument | 2026.2127 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| 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 | Joint Tenants with Right of Survivorship |
| Address | 1 LEWIS ST, ONEONTA, NY 13820-2653 |
| Date | May 6, 2026 |
|---|
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Dec 30, 2022 |
| Property Address | 166 WEST ST, ONEONTA, NY 13820-4677 |
| Document Number | 0000000038 |
| Instrument Date | Dec 28, 2022 |
| Instrument | 2022-7038 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2023 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 33 FORD AVE, ONEONTA, NY 13820-1835 |
| Document Number | 0000000039 |
|---|---|
| Date | Dec 30, 2022 |
| Instrument | 2022-7039 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Nov 30, 2018 |
| Property Address | 166 WEST ST, ONEONTA, NY 13820-4677 |
| Document Number | 0000005763 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 5763 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 204 HILLSIDE DR ONEONTA NY 138203610, ONEONTA, NY 13820-3610 |
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 | $4,477.00 (+2.5%) | ||
| 2025 | $4,368.00 | $115,000 (-) Land $26,700 Building $88,300 | $161,972 (+14.08%) Land $37,606 Building $124,366 |
| 2023 | $115,000 Land $26,700 Building $88,300 | $141,975 Land $32,963 Building $109,012 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective March 20, 2017
| 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 |
Values are read at the parcel center point; 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 |
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 103 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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