Otsego County and Oneonta City property record for 194 River St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,759 sqft · built 1940 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $4,901 (2026) |
| Deeds & Mortgages | Jul 2019 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 361200 299.16-1-12 |
| Primary APN | 361200 299.16-1-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,759 sqft Living Area |
| 1st Floor Area | 1,084 sqft |
| Upper Floors Area | 675 sqft |
| Game Room | Game Room |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 150 ft deep x 66 ft wide |
| Garage Type | Mixed |
| Garage Area | 552 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 161 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2853 |
|---|---|
| Street Address | 194 RIVER ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2241 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Description | LIFE ESTATE> O&0 SQUAIRES |
| Legal Block | 1 |
| Legal Lot Number | 12.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 591100 |
194 River St, a single family home, is owned by a company.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 97 MAIN ST, ONEONTA, NY 13820-2506 |
| Owner Type | Company |
| Vesting | Life Estate |
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 | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 194 RIVER ST, ONEONTA, NY 13820-2241 |
| Document Number | 0000005530 |
| Instrument Date | Jul 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 194 RIVER ST ONEONTA NY 138202241, ONEONTA, NY 13820-2241 |
| Document Number | 0000005530 |
|---|---|
| Date | Nov 25, 2019 |
| Instrument | 5530 |
| Name | MICHAEL STOLZER |
|---|---|
| Address | 142 SOUTHSIDE DR, ONEONTA, NY 13820-3256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Nov 24, 2024 |
The 2026 property tax bill for 194 River St was $4,901, down 35.9% 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 | $4,901.00 (-35.9%) | ||
| 2025 | $7,646.00 | $126,000 Land $18,300 Building $107,700 | $177,465 Land $25,775 Building $151,690 |
| 2023 | $126,000 Land $18,300 Building $107,700 | $155,556 Land $22,593 Building $132,963 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 194 River St in Zone X, an area of moderate flood risk, though there have been 11 flood claims nearby since 1978.
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.
Wildfire risk around 194 River 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 | 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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