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2 Pearl St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 2 Pearl St, Oneonta, NY 13820

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 1,286 sqft · built 1920
Lot Size0.19 acres (8,276 sqft)
OwnerIndividual Name on Record
Last Sale$175,000 (Jun 2022)
Tax Bill$5,750 (2026)
Deeds & MortgagesJun 2022 Sale & Mortgage
Sep 2018 Sale
Flood ZoneZone X (minimal risk)
APN361200 299.8-1-71

Property Details

APN / Parcel Number

Primary APN361200 299.8-1-71
Alternative APNs
  • 120029900800010710000000
  • 3911 2563

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,286 sqft Living Area
1st Floor Area643 sqft
2nd Floor Area643 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1980
Architectural StyleTraditional
Exterior MaterialComposition/Composite
Lot Area8,276 sqft (0.19 acres)
Lot Dimensions149 ft deep x 54.5 ft wide
Garage TypeDetached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area241 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number3911 2563
Street Address2 PEARL ST
CityONEONTA
StateNY
Zip13820-1259
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code120
Legal Block1
Legal Lot Number71.000
JurisdictionOTSEGO NY
Township / Civil DivisionONEONTA
Census Block Group2
Census Block2000
Census Tract591700

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address2 PEARL ST, ONEONTA, NY 13820-1259
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 30, 2022Deed, Transfer · Stand-Alone First Mortgage
VISIONS FCU
Sep 25, 2018Grant Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 30, 2022 · Amount on Record
Deed SaleJun 30, 2022 · Amount on Record
Prior SaleSep 25, 2018 · Amount on Record
Deed Document Number20223590
Record UpdatedOct 29, 2026

June 2022: Deed, Transfer

Document TypeDeed
JurisdictionOTSEGO NY
Recording DateJun 30, 2022
Property Address2 PEARL ST, ONEONTA, NY 13820-1259
Document Number0000000590
Instrument DateJun 24, 2022
Instrument2022-3590
Transaction TypeTransfer
Record UpdatedJul 26, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address9 SHAFFER AVE, ONEONTA, NY 13820-1224

Mortgage

Document Number0000000591
DateJun 30, 2022
Instrument2022-3591
Lender
NameVISIONS FCU
TypeCredit Union
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

September 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOTSEGO NY
Recording DateSep 25, 2018
Property Address2 PEARL ST, ONEONTA, NY 13820-1259
Document Number0000004570
Instrument DateAug 24, 2018
Instrument4570
Transaction TypeTransfer
Record UpdatedJan 16, 2019

Transaction

AmountAmount Recorded
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2 PEARL ST ONEONTA NY 138201259, ONEONTA, NY 13820-1259

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountyOtsego County
MunicipalityOneonta City
Unified School DistrictOneonta City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$5,750.00 (+2.48%)
2025$5,611.00$148,000 (-) Land $16,800 Building $131,200$208,451 (+14.08%) Land $23,662 Building $184,789
2023$148,000 Land $16,800 Building $131,200$182,716 Land $20,741 Building $161,975

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies1 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

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

Wildfire RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemONEONTA CITY
serves 15,954 people · EPA ID NY3800154
Water SourceSurface water
Last State InspectionOct 2024
Lead6 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 376 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000

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