2 Union St, Oneonta, NY 13820 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,719 sqft · built 1910
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$93,000 (Apr 1998)
Tax Bill	$5,264 (2025)
Deeds & Mortgages	Jul 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`361200 288.18-2-38`

Property Details

APN / Parcel Number

Primary APN	`361200 288.18-2-38`
Alternative APNs	`120028801800020380000000` `3911 3271`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,719 sqft Living Area
1st Floor Area	942 sqft
2nd Floor Area	672 sqft
Upper Floors Area	105 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1975
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	80 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	180 sqft
Porch	Slab
Porch Area	390 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 3271
Street Address	2 UNION ST
City	ONEONTA
State	NY
Zip	13820-1631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	2
Legal Lot Number	38.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1009
Census Tract	591000

Owner

Source: Otsego County and Oneonta City records · APN 361200 288.18-2-38

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	2 UNION ST, ONEONTA, NY 13820-1631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 02, 1998 · Amount on Record
Deed Sale	Apr 02, 1998 · Amount on Record
Deed Book / Page	827 / 202
Last Transfer Date	Jul 08, 2020
Transfer Doc	0000000109
Record Updated	Jun 08, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO NY
Recording Date	Jul 30, 2020
Property Address	2 UNION ST, ONEONTA, NY 13820-1631
Document Number	0000003109
Instrument Date	Jul 08, 2020
Instrument	3109
Transaction Type	Transfer
Record Updated	Aug 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 UNION ST ONEONTA NY 138201631, ONEONTA, NY 13820-1631

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	$5,264.00	$169,000 (-) Land $10,800 Building $158,200	$238,028 (+14.08%) Land $15,211 Building $222,817
2023		$169,000 Land $10,800 Building $158,200	$208,642 Land $13,333 Building $195,309

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 20, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	1 (1979)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1979 · tidal / storm surge

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 661 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ONEONTA CITY serves 15,954 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.