Otsego County and Oneonta City property record for 184 Main St, Oneonta, NY 13820
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 3,840 sqft · built 1980 |
| Lot Size | 0.03 acres (1,307 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Nov 2005) |
| Tax Bill | $7,116 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 300.31-1-20 |
| Primary APN | 361200 300.31-1-20 |
|---|---|
| Alternative APNs |
|
| Units | 6 Units |
|---|---|
| Stories | 3 Stories |
| Building Area | 3,840 sqft Gross Area |
| Basement Area | 1,280 sqft |
| Unfinished Basement | 1,280 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Lot Area | 1,307 sqft (0.03 acres) |
| Lot Dimensions | 80 ft deep x 17 ft wide |
| Cooling System | Partial |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2109 |
|---|---|
| Street Address | 184 MAIN ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2571 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | 320 |
| Legal Block | 1 |
| Legal Lot Number | 20.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 591100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Oneonta Downtown Historic District listed 2003 · 65 contributing resources · NRIS 03001245 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
184 Main St, a commercial property, is owned by an individual who bought it in November 2005.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 567 COUNTY HIGHWAY 5, OTEGO, NY 13825-2149 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 15, 2005 · Amount on File |
| Deed Sale | Nov 15, 2005 · Amount on File |
| Deed Book / Page | 1088 / 323 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 184 Main St was $7,116, up 2.7% 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 | $7,116.00 (+2.65%) | ||
| 2025 | $6,932.00 | $180,000 Land $9,000 Building $171,000 | $253,521 Land $12,676 Building $240,845 |
| 2023 | $180,000 Land $9,000 Building $171,000 | $222,222 Land $11,111 Building $211,111 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 184 Main St in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1986.
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 |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 20 (1986–2014) |
| Claims Outside the SFHA | 4 of 20 |
| Most Recent Claim | Feb 2014 |
| 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 184 Main 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 | None beyond ember reach |
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 252 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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