Otsego County and Oneonta City property record for 192 River St, Oneonta, NY 13820
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 2,247 sqft · built 1880 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $125,000 (Mar 2015) |
| Tax Bill | $4,707 (2026) |
| Deeds & Mortgages | Apr 2020 Line of Credit Nov 2019 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 361200 299.16-1-13 |
| Primary APN | 361200 299.16-1-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,247 sqft Total Area |
| 1st Floor Area | 1,129 sqft |
| 2nd Floor Area | 1,118 sqft |
| Game Room | Game Room |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 165 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 330 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2852 |
|---|---|
| Street Address | 192 RIVER ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2241 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 120 |
| Legal Block | 1 |
| Legal Lot Number | 13.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 591100 |
Source: Otsego County and Oneonta City records, as of September 23, 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 | 192 RIVER ST, ONEONTA, NY 13820-2241 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 9, 2020 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BK NA |
| Nov 15, 2019 | Deed of Trust, Mortgage COMMUNITY BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2015 · Amount on Record |
| Deed Sale | Mar 18, 2015 · Amount on Record |
| Deed Book / Page | 2015 / 1132 |
| Prior Transfer Date | Feb 23, 2015 |
| Prior Transfer Doc | 2015001132 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 192 RIVER ST, ONEONTA, NY 13820-2241 |
| Document Number | 0000001579 |
| Instrument Date | Apr 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 192 RIVER ST ONEONTA NY 138202241, ONEONTA, NY 13820-2241 |
| Document Number | 0000001579 |
|---|---|
| Date | Apr 17, 2020 |
| Instrument | 1579 |
| Name | COMMUNITY BK NA |
|---|---|
| Address | OLEAN, NY 14760 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 16, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 192 RIVER ST, ONEONTA, NY 13820-2241 |
| Document Number | 0000005689 |
| Instrument Date | Nov 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 192 RIVER ST ONEONTA NY 138202241, ONEONTA, NY 13820-2241 |
| Document Number | 0000005689 |
|---|---|
| Date | Dec 4, 2019 |
| Instrument | 5689 |
| Name | COMMUNITY BK NA |
|---|---|
| Address | OLEAN, NY 14760 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Dec 3, 2039 |
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 | $4,707.00 (+15.88%) Homeowner's exemption Veteran's exemption | ||
| 2025 | $4,062.00 | $125,000 (-) Land $18,900 Building $106,100 | $176,056 (+14.08%) Land $26,620 Building $149,436 |
| 2023 | $125,000 Land $18,900 Building $106,100 | $154,321 Land $23,333 Building $130,988 |
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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