197 River St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 197 River St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,148 sqft · built 1961
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Tax Bill	$4,747 (2026)
Deeds & Mortgages	Mar 2020 Transfer
Flood Zone	Zone X (moderate risk)
APN	`361200 299.16-2-10`

Property Details

APN / Parcel Number

Primary APN	`361200 299.16-2-10`
Alternative APNs	`120029901600020100000000` `3911 2781`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,148 sqft Living Area
1st Floor Area	1,148 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	200 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	368 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 2781
Street Address	197 RIVER ST
City	ONEONTA
State	NY
Zip	13820-2239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	230
Legal Block	2
Legal Lot Number	10.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1012
Census Tract	591100

Owner

197 River St is owned and occupied by an individual who acquired it in May 2016.

Source: Otsego County and Oneonta City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	197 RIVER ST, ONEONTA, NY 13820-2239
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 18, 2016
Transfer Doc	2016002564
Record Updated	Oct 29, 2026

March 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OTSEGO NY
Recording Date	Mar 23, 2020
Property Address	197 RIVER ST, ONEONTA, NY 13820-2239
Document Number	0000001298
Instrument Date	Mar 18, 2020
Instrument	1298
Transaction Type	Transfer
Record Updated	Apr 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 RIVER ST ONEONTA NY 138202239, ONEONTA, NY 13820-2239

Tax Assessment & Valuation

The 2026 property tax bill for 197 River St was $4,747 with a homeowner's exemption, up 15.1% from the year before.

Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
Municipality	Oneonta City
Unified School District	Oneonta City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,747.00 (+15.08%) Homeowner's exemption
2025	$4,125.00	$122,000 Land $20,200 Building $101,800	$171,831 Land $28,451 Building $143,380
2023		$122,000 Land $20,200 Building $101,800	$150,617 Land $24,938 Building $125,679

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

Flood

FEMA maps place 197 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	Severe Storms And Flooding, Jun 2006 · 3 claims

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 197 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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