18 Franklin St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 18 Franklin St, Oneonta, NY 13820 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1.5 Baths
Year Built	Built 1970
Square Footage	1,496 sqft Living Area
Lot Size	3,049 sqft (0.07 acres)
Occupancy	Owner Occupied
Last Sale	$130,000 (2020)
Tax Bill	$4,744.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`361200 300.5-2-23`
Alternative APNs	`120030000500020230000000` `3911 1445`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,496 sqft Living Area
1st Floor	764 sqft 1st Floor
2nd Floor	732 sqft 2nd Floor
Stories	2 Stories

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1970
Architectural Style	Traditional Style
Exterior Material	Composition/Composite Exterior
Lot Area	3,049 sqft (0.07 acres)
Depth X Width	60 ft x 58.5 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage
Garage Area	216 sqft Garage
Porch Area	243 sqft Porch

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Gas Heating Fuel
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Account Number	3911 1445
Street Address	18 FRANKLIN ST
City	ONEONTA
State	NY
Zip	13820-1712
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	23.000
Jurisdiction	OTSEGO NY
Minor Civil Division	ONEONTA
Census Blockgroup	2
Census Block	2021
Census Tract	591100

Owner

Source: Otsego County and Oneonta City records · APN 361200 300.5-2-23

Assessment roll updated April 30, 2026 · Last verified May 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 File
Mailing Address	18 FRANKLIN ST, ONEONTA, NY 13820-1712
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 10, 2020 · Amount on Record
Deed Sale	Mar 10, 2020 · Amount on Record
Prior Sale	Jul 25, 2007 · Amount on Record
Deed Doc Number	20201157
Prior Transfer Date	Dec 24, 2019
Prior Transfer Doc	0000000157
Record Refreshed	Jun 08, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Mar 10, 2020
Property Address	18 FRANKLIN ST, ONEONTA, NY 13820-1712
Document Number	0000001157
Instrument Date	Dec 24, 2019
Instrument	1157
Transaction Type	Transfer
Record Updated	Mar 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 FRANKLIN ST ONEONTA NY 138201712, ONEONTA, NY 13820-1712

Mortgage

Document Number	1158
Date	Mar 10, 2020
Instrument	1158

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Mar 09, 2050

Tax Assessment & Valuation

Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,744.00	$125,000 (-) Land $84,000 Building $41,000	$176,056 (+14.08%) Land $118,310 Building $57,746
2023		$125,000 Land $84,000 Building $41,000	$154,321 Land $103,704 Building $50,617

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Otsego County (36077C), updated March 20, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.