2 James St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 2 James St, Oneonta, NY 13820 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1.5 Baths
Year Built	Built 1975
Square Footage	1,008 sqft Living Area
Lot Size	2,614 sqft (0.06 acres)
Occupancy	Owner Occupied
Last Sale	$140,000 (2025)
Tax Bill	$3,673.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`361200 299.7-7-25`
Alternative APNs	`120029900700070250000000` `3911 1814`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,008 sqft Living Area
1st Floor	672 sqft 1st Floor
Upper Floors	336 sqft Upper Floors
Stories	1 Stories

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1975
Architectural Style	Traditional Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	2,614 sqft (0.06 acres)
Depth X Width	48 ft x 50 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage
Garage Area	288 sqft Garage
Porch Area	72 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Gas Heating Fuel
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Account Number	3911 1814
Street Address	2 JAMES ST
City	ONEONTA
State	NY
Zip	13820-1214
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	7
Legal Lot Number	25.000
Jurisdiction	OTSEGO NY
Minor Civil Division	ONEONTA
Census Blockgroup	1
Census Block	1032
Census Tract	591100

Owner

Source: Otsego County and Oneonta City records · APN 361200 299.7-7-25

Assessment roll updated April 30, 2026 · Last verified May 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	3827 STATE HIGHWAY 23, ONEONTA, NY 13820-3312
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 11, 2025 · Amount on Record
Deed Sale	Dec 11, 2025 · Amount on Record
Prior Sale	Jul 15, 2005 · Amount on Record
Deed Doc Number	20254966
Prior Transfer Date	Jul 13, 2005
Prior Transfer Doc	0010840351
Record Refreshed	Jun 08, 2026

December 2025: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	OTSEGO NY
Recording Date	Dec 11, 2025
Property Address	2 JAMES ST, ONEONTA, NY 13820-1214
Document Number	0000000966
Instrument Date	Dec 05, 2025
Instrument	2025-4966
Transaction Type	Transfer
Record Updated	Jan 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3827 STATE HIGHWAY 23, ONEONTA, NY 13820-3312

Mortgage

Document Number	0000000967
Date	Dec 11, 2025
Instrument	2025-4967

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2056

Tax Assessment & Valuation

Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,673.00 (+6.28%)	$110,000 (-) Land $7,200 Building $102,800	$154,930 (+8.45%) Land $10,141 Building $144,789
2024	$3,456.00 Homeowner's exemption	$110,000 (-) Land $7,200 Building $102,800	$142,857 (+5.2%) Land $9,351 Building $133,506
2023		$110,000 Land $7,200 Building $102,800	$135,802 Land $8,889 Building $126,913

Flood & Wildfire

2 James St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Otsego County (36077C), updated March 20, 2017

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 55th in New York
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.