1848 Macdougall Rd, Oneonta, NY 13820 Property Records

Delaware County and Davenport Town property record for 1848 Macdougall Rd, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,664 sqft · built 1989
Lot Size	1.62 acres (70,567 sqft)
Owner	Individual Name on File
Last Sale	$114,000 (Aug 2018)
Tax Bill	$2,232 (2026)
Deeds & Mortgages	Nov 2021 Refinance Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`122600 33.-1-17.114`

Property Details

APN / Parcel Number

Primary APN	`122600 33.-1-17.114`
Alternative APNs	`26000330000001017114` `05800544003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,664 sqft Living Area
1st Floor Area	1,664 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	70,567 sqft (1.62 acres)
Porch	Slab
Porch Area	1,054 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	05800544003
Street Address	1848 MACDOUGALL RD
City	ONEONTA
State	NY
Zip	13820-2285
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRANKLIN -REAR L-5 LOT 2
Legal Block	1
Legal Lot Number	17.114
Jurisdiction	DELAWARE NY
Township / Civil Division	DAVENPORT
Census Block Group	2
Census Block	2074
Census Tract	970102

Owner

1848 Macdougall Rd is owned and occupied by an individual who bought it in August 2018.

Source: Delaware County and Davenport Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1848 MACDOUGALL RD, ONEONTA, NY 13820-2285
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DELAWARE NATIONAL BANK
Aug 20, 2018	Deed of Trust, Mortgage DELAWARE NATIONAL BANK OF DELHI
Aug 20, 2018	Warranty Deed, Transfer DELAWARE NATIONAL BANK OF DELHI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2018 · Amount on File
Deed Sale	Aug 20, 2018 · Amount on File
Prior Sale	Aug 24, 2004 · Amount on File
Deed Document Number	20186912
Deed Book / Page	1566 / 96
Prior Transfer Date	Mar 31, 1999
Prior Transfer Doc	0879000215
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE NY
Property Address	1848 MACDOUGALL RD, ONEONTA, NY 13820-2285
Transaction Type	Mortgage
Record Updated	Nov 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2344/1
Date	Nov 4, 2021
Book Page	2344/1
Instrument	8280

Lender

Name	DELAWARE NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2041

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE NY
Property Address	1848 MACDOUGALL RD, ONEONTA, NY 13820-2285
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002145/0000000165
Date	Aug 20, 2018
Book Page	0000002145/0000000165
Instrument	000000006913

Lender

Name	DELAWARE NATIONAL BANK OF DELHI

Agreement

Amount	Amount on Record
Term	233 Months
Due	Jan 1, 2038

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE NY
Recording Date	Aug 20, 2018
Property Address	1848 MACDOUGALL RD, ONEONTA, NY 13820-2285
Document Number	0001566/96
Book / Page	1566 / 96
Instrument Date	Aug 14, 2018
Instrument	000000006912
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 MAGNOLIA DR, SELDEN, NY 11784-2043

Mortgage

Document Number	0000002145/0000000165
Date	Aug 20, 2018
Book Page	0000002145/0000000165
Instrument	000000006913

Lender

Name	DELAWARE NATIONAL BANK OF DELHI

Agreement

Amount	Amount on Record
Term	233 Months
Due	Jan 1, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 1848 Macdougall Rd was $2,232, up 2.1% from the year before.

Source: Delaware County and Davenport Town assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	New York
County	Delaware County
County Subdivision	Davenport Town
Unified School District	Charlotte Valley Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,232.00 (+2.06%)
2025	$2,187.00	$62,927 Land $11,336 Building $51,591	$132,478 Land $23,865 Building $108,613
2023		$62,927 (-) Land $11,336 Building $51,591	$115,900 (+11.55%) Land $20,879 Building $95,021
2022		$62,927 Land $11,336 Building $51,591	$103,900 Land $18,717 Building $85,183
2021	$991.00 (+4.87%)
2020	$945.00

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

Flood

FEMA maps place 1848 Macdougall Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 13, 2025 · 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
Nearby Flood Policies	7 in force

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

Wildfire risk around 1848 Macdougall Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Delhi Telephone Company Fiber	1,000 / 1,000

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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