Otsego County and Oneonta City property record for 191 River St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 968 sqft · built 1900 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $62,000 (Sep 2026) |
| Tax Bill | $3,702 (2026) |
| Deeds & Mortgages | Sep 2026 Sale May 2019 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 361200 299.16-2-13 |
| Primary APN | 361200 299.16-2-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 968 sqft Living Area |
| 1st Floor Area | 536 sqft |
| 2nd Floor Area | 432 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 20,473 sqft (0.47 acres) |
| Lot Dimensions | 180 ft deep x 115 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 160 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2778 |
|---|---|
| Street Address | 191 RIVER ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 230 |
| Legal Description | LIFE ESTATE > L BAILEY |
| Legal Block | 2 |
| Legal Lot Number | 13.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 591100 |
Source: Otsego County and Oneonta City records, as of September 30, 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 Record |
|---|---|
| Mailing Address | 191 RIVER ST, ONEONTA, NY 13820-2239 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 9, 2026 | Warranty Deed, Transfer |
| May 24, 2019 | Deed of Trust, Mortgage · Line of Credit NBT BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2026 · Amount on Record |
| Deed Sale | Sep 9, 2026 · Amount on Record |
| Deed Document Number | 20264045 |
| Prior Transfer Date | Jul 24, 2026 |
| Prior Transfer Doc | 0000004045 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Sep 9, 2026 |
| Property Address | 191 RIVER ST, ONEONTA, NY 13820-2239 |
| Document Number | 0000004045 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 20264045 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 191 RIVER ST, ONEONTA, NY 13820-2239 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 191 RIVER ST, ONEONTA, NY 13820-2239 |
| Document Number | 0000003186 |
| Instrument Date | May 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2019 |
| Title Company | INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGCY |
| Name | Verified Name |
|---|---|
| Address | 191 RIVER ST ONEONTA NY 138202239, ONEONTA, NY 13820-2239 |
| Document Number | 0000003186 |
|---|---|
| Date | Jul 22, 2019 |
| Instrument | 3186 |
| Name | NBT BK |
|---|---|
| Type | Bank |
| Address | ONEONTA, NY 13820 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $3,702.00 (+50.92%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $2,453.00 | $100,000 (-) Land $22,900 Building $77,100 | $140,845 (+14.08%) Land $32,254 Building $108,591 |
| 2023 | $100,000 Land $22,900 Building $77,100 | $123,457 Land $28,272 Building $95,185 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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.
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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