Otsego County and Oneonta City property record for 20 Brook St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,414 sqft · built 1910 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $65,000 (Aug 1999) |
| Tax Bill | $4,747 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.17-2-31 |
| Primary APN | 361200 288.17-2-31 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,414 sqft Living Area |
| 1st Floor Area | 740 sqft |
| 2nd Floor Area | 674 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 90 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 212 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 0203 |
|---|---|
| Street Address | 20 BROOK ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1444 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 2 |
| Legal Lot Number | 31.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 591000 |
20 Brook St is owned and occupied by an individual who bought it in August 1999.
Source: Otsego County and Oneonta City records, as of October 21, 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 Record | Individual Name on File |
|---|---|
| Mailing Address | 20 BROOK ST, ONEONTA, NY 13820-1444 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 20, 1999 · Amount on File |
| Deed Sale | Aug 20, 1999 · Amount on File |
| Deed Book / Page | 874 / 85 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Sep 28, 2026 |
| Property Address | 20 BROOK ST, ONEONTA, NY 13820-1444 |
| Document Number | 0000004341 |
| Instrument Date | Sep 10, 2026 |
| Instrument | 20264341 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Title Company | INDEPENDENT TITLE |
| Name | Verified Name |
|---|---|
| Address | 20 BROOK ST, ONEONTA, NY 13820-1444 |
| Document Number | 0000004341, |
|---|---|
| Date | Sep 28, 2026 |
| Instrument | 20264341 |
| Name | BANK NATIONAL ASSOCIATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
The 2026 property tax bill for 20 Brook St was $4,747 with a homeowner's exemption, up 15.1% from the year before.
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 | $4,747.00 (+15.08%) Homeowner's exemption | ||
| 2025 | $4,125.00 | $122,000 Land $14,100 Building $107,900 | $171,831 Land $19,859 Building $151,972 |
| 2023 | $122,000 Land $14,100 Building $107,900 | $150,617 Land $17,407 Building $133,210 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Brook St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2006.
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 | 7 in force |
| Nearby Flood Claims | 3 (2006–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| 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.
Wildfire risk around 20 Brook St is low, with a 0.01% annual chance of wildfire.
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 661 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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