Otsego County and Oneonta City property record for 173 River St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,051 sqft · built 1920 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on File |
| Last Sale | $104,000 (Apr 2026) |
| Tax Bill | $3,281 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 299.16-2-20 |
| Primary APN | 361200 299.16-2-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,051 sqft Living Area |
| 1st Floor Area | 714 sqft |
| Upper Floors Area | 337 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 173 ft deep x 86.8 ft wide |
| Garage Type | Detached |
| Garage Area | 198 sqft |
| Porch | Slab |
| Porch Area | 160 sqft |
| Canopy | 264 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2772 |
|---|---|
| Street Address | 173 RIVER ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 230 |
| Legal Block | 2 |
| Legal Lot Number | 20.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 591100 |
173 River St is owned and occupied by an individual who bought it in April 2026.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2816 COUNTY HIGHWAY 8, ONEONTA, NY 13820-3369 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage COMMUNITY BANK LENA |
| Apr 13, 2026 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BANK LENA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 13, 2026 · Amount on File |
| Deed Sale | Apr 13, 2026 · Amount on File |
| Prior Sale | May 5, 2015 · Amount on File |
| Deed Document Number | 20261746 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Apr 21, 2026 |
| Property Address | 173 RIVER ST, ONEONTA, NY 13820-2239 |
| Document Number | 0000000870 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 20261870 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 173 RIVER ST, ONEONTA, NY 13820-2239 |
| Investor | Possibly a Property Investor |
| Document Number | 0000001870, |
|---|---|
| Date | Apr 21, 2026 |
| Instrument | 20261870 |
| Name | COMMUNITY BANK LENA |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Apr 13, 2026 |
| Property Address | 173 RIVER ST, ONEONTA, NY 13820-2239 |
| Document Number | 0000000746 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 2026.1746 |
| Transaction Type | Transfer |
| Record Updated | May 7, 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 |
|---|---|
| Address | 2816 COUNTY HIGHWAY 8, ONEONTA, NY 13820-3369 |
| Investor | Possibly a Property Investor |
| Date | Apr 13, 2026 |
|---|
| Name | COMMUNITY BANK LENA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 173 River St was $3,281 with a homeowner's exemption, up 21.8% 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 | $3,281.00 (+21.83%) Homeowner's exemption | ||
| 2025 | $2,693.00 | $84,000 Land $17,100 Building $66,900 | $118,310 Land $24,085 Building $94,225 |
| 2023 | $84,000 Land $17,100 Building $66,900 | $103,704 Land $21,111 Building $82,593 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 173 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 173 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 64 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 |
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