2 Gardner Pl, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 2 Gardner Pl, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,365 sqft · built 1910
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Apr 2020)
Tax Bill	$5,454 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 288.19-1-38`

Property Details

APN / Parcel Number

Primary APN	`361200 288.19-1-38`
Alternative APNs	`120028801900010380000000` `3911 1468`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,365 sqft Living Area
1st Floor Area	780 sqft
Upper Floors Area	585 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	63.6 ft deep x 53.4 ft wide
Garage Type	Attached
Porch	Slab
Porch Area	320 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 1468
Street Address	2 GARDNER PL
City	ONEONTA
State	NY
Zip	13820-1906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	1
Legal Lot Number	38.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1000
Census Tract	590900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	2 GARDNER PL, ONEONTA, NY 13820-1906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 30, 2020 · Amount on Record
Deed Sale	Apr 30, 2020 · Amount on Record
Prior Sale	Dec 30, 2010 · Amount on Record
Deed Document Number	20201701
Record Updated	Jun 8, 2026

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Apr 30, 2020
Property Address	2 GARDNER PL, ONEONTA, NY 13820-1906
Document Number	0000001701
Instrument Date	Apr 17, 2020
Instrument	1701
Transaction Type	Transfer
Record Updated	May 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 CHESTER ST ONEONTA NY 138202005, ONEONTA, NY 13820-2005

Mortgage

Document Number	1702
Date	Apr 30, 2020
Instrument	1702

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2050

Tax Assessment & Valuation

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
2025	$5,454.00	$129,000 (-) Land $9,600 Building $119,400	$181,690 (+14.08%) Land $13,521 Building $168,169
2023		$129,000 (-) Land $9,600 Building $119,400	$159,259 (+13.58%) Land $11,852 Building $147,407
2022		$129,000 Land $9,600 Building $119,400	$140,217 Land $10,435 Building $129,782

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

Flood

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (2006–2011)
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 2 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

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 at the parcel

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 318 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 USA Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Gardner Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures