Otsego County and Otego Town property record for 195 Downey Rd Spur, Oneonta, NY 13820
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,500 sqft · built 2020 |
| Lot Size | 10 acres (436,907 sqft) |
| Owner | Individual Name on File |
| Last Sale | $318,000 (May 2025) |
| Tax Bill | $4,498 (2026) |
| Deeds & Mortgages | Apr 2021 Refinance Jul 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 364889 325.00-1-10.22 |
| Primary APN | 364889 325.00-1-10.22 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| 1st Floor Area | 1,500 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 436,907 sqft (10 acres) |
| Lot Width | 771 ft Width |
| Porch | Porch |
| Porch Area | 312 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 187983 |
|---|---|
| Street Address | 195 DOWNEY ROAD SPUR |
| City | ONEONTA |
| State | NY |
| Zip | 13820 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 003 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 10.022 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 1 |
| Census Block | 1059 |
| Census Tract | 591401 |
195 Downey Rd Spur, a rural home, is owned by an individual who bought it in May 2025.
Source: Otsego County and Otego Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9191 STATE HIGHWAY 357, FRANKLIN, NY 13775-2009 |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NBT BANK NATIONAL ASSOCIATION |
| Jul 10, 2023 | Deed of Trust, Mortgage · Line of Credit SIDNEY FEDERAL CREDIT UNION |
| Sep 4, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Jul 11, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2025 · Amount on File |
| Deed Sale | May 28, 2025 · Amount on File |
| Prior Sale | Feb 28, 2003 · Amount on File |
| Deed Document Number | 20252033 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 195 DOWNEY ROAD SPUR, ONEONTA, NY 13820 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000000079 |
|---|---|
| Date | Apr 15, 2021 |
| Instrument | 2021-2079 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 195 DOWNEY ROAD SPUR, ONEONTA, NY 13820 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000000724 |
|---|---|
| Date | Jul 10, 2023 |
| Instrument | 2023-2724 |
| Name | SIDNEY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Sep 4, 2020 |
| Property Address | 195 DOWNEY RD, OTEGO, NY 13825 |
| Document Number | 0000003745 |
| Instrument Date | Aug 31, 2020 |
| Instrument | 3745 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $160.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 202 OTEGO NY 138250202, OTEGO, NY 13825-0202 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jul 11, 2019 |
| Property Address | 195 DOWNEY RD, OTEGO, NY 13825 |
| Document Number | 0000003032 |
| Instrument Date | Jul 16, 2018 |
| Instrument | 3032 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 864 FRANKLIN MOUNTAIN RD OTEGO NY 13825, OTEGO, NY 13825 |
The 2026 property tax bill for 195 Downey Rd Spur was $4,498, up 1.4% from the year before.
Source: Otsego County and Otego Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Otego Town |
| Unified School District | Otego-Unadilla Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,498.00 (+1.44%) | ||
| 2025 | $4,434.00 | $163,700 Land $38,700 Building $125,000 | $215,395 Land $50,921 Building $164,474 |
| 2023 | $163,700 Land $38,700 Building $125,000 | $176,022 Land $41,613 Building $134,409 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 195 Downey Rd Spur in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 6 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 risk around 195 Downey Rd Spur 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Delhi Telephone Company Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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