Otsego County and Oneonta City property record for 2 Kearney St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,344 sqft · built 1930 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $150,000 (Jun 2024) |
| Tax Bill | $4,862 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 299.8-1-60 |
| Primary APN | 361200 299.8-1-60 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 720 sqft |
| 2nd Floor Area | 624 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 66 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 224 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 1823 |
|---|---|
| Street Address | 2 KEARNEY ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 1 |
| Legal Lot Number | 60.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 591700 |
Source: Otsego County and Oneonta City records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3842 STATE HIGHWAY 23, ONEONTA, NY 13820-3311 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NBT BK |
| Nov 12, 2020 | Warranty Deed, Transfer · Conventional Mortgage NBT BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2024 · Amount on Record |
| Deed Sale | Jun 13, 2024 · Amount on Record |
| Prior Sale | Nov 12, 2020 · Amount on Record |
| Deed Document Number | 20242024-2226 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 2 KEARNEY ST, ONEONTA, NY 13820-1216 |
| Document Number | 0000005057 |
| Instrument Date | Nov 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 100 VAN CORTLANDT PARK S #B23 BRONX NY 104632819, B23, BRONX, NY 10463-2819 |
| Document Number | 0000005057 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 5057 |
| Name | NBT BK |
|---|---|
| Type | Bank |
| Address | NORWICH, NY 13815 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 11, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Nov 12, 2020 |
| Property Address | 2 KEARNEY ST, ONEONTA, NY 13820-1216 |
| Document Number | 0000005056 |
| Instrument Date | Nov 4, 2020 |
| Instrument | 5056 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $496.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 100 VAN CORTLANDT PARK S #B23 BRONX NY 104632819, B23, BRONX, NY 10463-2819 |
| Document Number | 5057 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 5057 |
| Name | NBT BK |
|---|---|
| Type | Bank |
| Address | NORWICH, NY 13815 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 11, 2050 |
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 | $4,862.00 (+2.49%) | ||
| 2025 | $4,744.00 | $125,000 (-) Land $11,000 Building $114,000 | $176,056 (+14.08%) Land $15,493 Building $160,563 |
| 2023 | $125,000 Land $11,000 Building $114,000 | $154,321 Land $13,580 Building $140,741 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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.
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 376 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 |
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