Otsego County and Oneonta Town property record for 2 Richards Ave, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,344 sqft · built 1930 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $75,000 (Jul 2024) |
| Tax Bill | $2,805 (2026) |
| Deeds & Mortgages | Jul 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 364600 299.07-2-13.00 |
| Primary APN | 364600 299.07-2-13.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 672 sqft |
| 2nd Floor Area | 672 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Width | 100 ft Width |
| Porch | Slab |
| Porch Area | 276 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 078020 |
|---|---|
| Street Address | 2 RICHARDS AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 967 0 0 |
| Legal Block | 2 |
| Legal Lot Number | 13.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 590800 |
Source: Otsego County and Oneonta Town 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 | Individual Name on Record |
|---|---|
| Mailing Address | 410 CHESTNUT ST, ONEONTA, NY 13820-2121 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2024 · Amount on Record |
| Deed Sale | Jul 3, 2024 · Amount on Record |
| Deed Document Number | 20242493 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jul 3, 2024 |
| Property Address | 2 RICHARDS AVE, ONEONTA, NY 13820-1123 |
| Document Number | 0000000493 |
| Instrument Date | Jun 26, 2024 |
| Instrument | 2024-2493 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 410 CHESTNUT ST, ONEONTA, NY 13820-2121 |
| Document Number | 0000000494 |
|---|---|
| Date | Jul 3, 2024 |
| Instrument | 2024-2494 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2054 |
Source: Otsego County and Oneonta Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Oneonta Town |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,805.00 (+5.17%) | ||
| 2025 | $2,667.00 (+287.65%) | $87,200 (-) Land $24,500 Building $62,700 | $124,571 (+11.43%) Land $35,000 Building $89,571 |
| 2023 | $688.00 Homeowner's exemption Senior Citizen's exemption Veteran's exemption | $87,200 (-) Land $24,500 Building $62,700 | $111,795 (+12.82%) Land $31,410 Building $80,385 |
| 2022 | $87,200 Land $24,500 Building $62,700 | $99,091 Land $27,841 Building $71,250 |
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 |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 5 (2006–2013) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Jul 2013 · river or lake flooding |
| Claims by Event |
|
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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