Otsego County and Oneonta City property record for 21 Central Ave, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,092 sqft · built 1920 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,477 (2026) |
| Deeds & Mortgages | Jul 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.17-2-37 |
| Primary APN | 361200 288.17-2-37 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 546 sqft |
| 2nd Floor Area | 546 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 101 ft deep x 50 ft wide |
| Garage Type | Mixed |
| Garage Area | 320 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 560 sqft |
| Patio Area | 117 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 0373 |
|---|---|
| Street Address | 21 CENTRAL AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 2 |
| Legal Lot Number | 37.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 591000 |
21 Central Ave is owned and occupied by two individuals.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 CENTRAL AVE, ONEONTA, NY 13820-1432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 21 CENTRAL AVE, ONEONTA, NY 13820-1432 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000074 |
|---|---|
| Date | Jul 25, 2022 |
| Instrument | 2022-4074 |
| Name | SIDNEY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 21 Central Ave was $4,477 with a homeowner's exemption, up 16% 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 | $4,477.00 (+15.95%) Homeowner's exemption | ||
| 2025 | $3,861.00 | $115,000 Land $13,400 Building $101,600 | $161,972 Land $18,873 Building $143,099 |
| 2023 | $115,000 Land $13,400 Building $101,600 | $141,975 Land $16,543 Building $125,432 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Central Ave 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 21 Central Ave 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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