17 Rose Ave, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 17 Rose Ave, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,232 sqft · built 1920
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$118,000 (Nov 2020)
Tax Bill	$4,245 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`361200 300.7-4-63`

Property Details

APN / Parcel Number

Primary APN	`361200 300.7-4-63`
Alternative APNs	`120030000700040630000000` `3911 2928`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,232 sqft Living Area
1st Floor Area	616 sqft
2nd Floor Area	616 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	147 ft deep x 50 ft wide
Porch	Slab
Porch Area	230 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 2928
Street Address	17 ROSE AVE
City	ONEONTA
State	NY
Zip	13820-2710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	4
Legal Lot Number	63.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2017
Census Tract	590900

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	17 ROSE AVE, ONEONTA, NY 13820-2710
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage NBH BANK NATIONAL ASSOCIATION
Nov 2, 2020	Deed of Trust, Mortgage · Conventional with PMI HOMESTEAD FNDG
Nov 6, 2020	Warranty Deed, Transfer · Conventional with PMI HOMESTEAD FNDG
Sep 19, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2020 · Amount on File
Deed Sale	Nov 6, 2020 · Amount on File
Prior Sale	Sep 19, 2017 · Amount on File
Deed Document Number	20204940
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Recording Date	Apr 27, 2026
Property Address	17 ROSE AVE, ONEONTA, NY 13820-2710
Document Number	0000000954
Instrument Date	Apr 17, 2026
Instrument	20261954
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	INDEPENDENT TITLE, INDEPENDENT TITLE AG LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 ROSE AVE, ONEONTA, NY 13820-2710

Mortgage

Document Number	0000001954,
Date	Apr 27, 2026
Instrument	20261954

Lender

Name	NBH BANK NATIONAL ASSOCIATION

Agreement

Amount	Amount on Record
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	17 ROSE AVE, ONEONTA, NY 13820-2710
Document Number	0000004941
Instrument Date	Nov 2, 2020
Transaction Type	Mortgage
Record Updated	Nov 24, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 WEST ST #1 ONEONTA NY 138201735, 1, ONEONTA, NY 13820-1735

Mortgage

Document Number	0000004941
Date	Nov 6, 2020
Instrument	4941

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2050

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Nov 6, 2020
Property Address	17 ROSE AVE, ONEONTA, NY 13820-2710
Document Number	0000004940
Instrument Date	Oct 24, 2020
Instrument	4940
Transaction Type	Transfer
Record Updated	Dec 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$472.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 WEST ST #1 ONEONTA NY 138201735, 1, ONEONTA, NY 13820-1735

Mortgage

Document Number	4941
Date	Nov 6, 2020
Instrument	4941

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2050

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Sep 19, 2017
Property Address	17 ROSE AVE, ONEONTA, NY 13820-2710
Document Number	0000004504
Instrument Date	Sep 8, 2017
Instrument	4504
Transaction Type	Transfer
Record Updated	Oct 17, 2017

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 ROSE AVE ONEONTA NY 138202710, ONEONTA, NY 13820-2710

Tax Assessment & Valuation

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	$4,245.00 (+2.49%)
2025	$4,142.00	$109,000 (-) Land $16,100 Building $92,900	$153,521 (+14.08%) Land $22,676 Building $130,845
2023		$109,000 Land $16,100 Building $92,900	$134,568 Land $19,877 Building $114,691

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

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1986–2011)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Severe Storms And Flooding, Jun 2006 · 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

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 223 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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