Otsego County and Oneonta City property record for 18 Walnut St, Oneonta, NY 13820
| Details | 6 bd · 4 ba · 3,251 sqft · built 1896 |
|---|---|
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Oct 2010) |
| Tax Bill | $8,551 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Jun 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 300.6-1-1 |
| Primary APN | 361200 300.6-1-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,251 sqft Living Area |
| 1st Floor Area | 1,768 sqft |
| 2nd Floor Area | 1,202 sqft |
| Attic | Attic |
| Attic Area | 281 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1896 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 82.9 ft deep x 80 ft wide |
| Porch | Slab |
| Porch Area | 308 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3402 |
|---|---|
| Street Address | 18 WALNUT ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1840 |
| Property Category | Other |
| Property Type | Unknown |
| Local Zoning Code | 130 |
| Legal Block | 1 |
| Legal Lot Number | 1.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 590900 |
Source: Otsego County and Oneonta City assessment roll, APN 361200 300.6-1-1, as of 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 18 WALNUT ST, ONEONTA, NY 13820-1840 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 07, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WAYNE BK |
| Jun 13, 2019 | Deed of Trust, Mortgage · Line of Credit USNY BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 27, 2010 · Amount on Record |
| Deed Sale | Oct 27, 2010 · Amount on Record |
| Prior Sale | Sep 09, 2005 · Amount on Record |
| Deed Book / Page | 2010 / 5028 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 18 WALNUT ST, ONEONTA, NY 13820-1840 |
| Document Number | 0000003360 |
| Instrument Date | Aug 07, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 01, 2020 |
| Title Company | ONEONTA ABSTRACT, ONEONTA ABS |
| Name | Verified Name |
|---|---|
| Address | 18 WALNUT ST ONEONTA NY 138201840, ONEONTA, NY 13820-1840 |
| Document Number | 0000003360 |
|---|---|
| Date | Aug 13, 2020 |
| Instrument | 3360 |
| Name | WAYNE BK |
|---|---|
| Type | Bank |
| Address | GENEVA, NY 14456 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 12, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 18 WALNUT ST, ONEONTA, NY 13820-1840 |
| Document Number | 0000002853 |
| Instrument Date | Jun 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 18 WALNUT ST ONEONTA NY 138201840, ONEONTA, NY 13820-1840 |
| Document Number | 0000002853 |
|---|---|
| Date | Jul 01, 2019 |
| Instrument | 2853 |
| Name | USNY BK |
|---|---|
| Type | Bank |
| Address | ONEONTA, NY 13820 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 30, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (PK - 12) |
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 | $8,551.00 | $239,000 (-) Land $14,800 Building $224,200 | $336,620 (+14.08%) Land $20,845 Building $315,775 |
| 2023 | $239,000 Land $14,800 Building $224,200 | $295,062 Land $18,272 Building $276,790 |
Source: FEMA National Flood Hazard Layer, Otsego County (36077C), as of March 20, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360775909003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 | 1 in force |
| Nearby Flood Claims | 1 (1996) |
| Most Recent Claim | Jan 1996 · Severe Storms And Flooding |
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Walnut Street Historic District listed 1980 · 44 contributing resources · NRIS 80002745 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection, 252 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System, water system NY3800154, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ONEONTA CITY serves 15,954 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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