Otsego County and Oneonta City property record for 21 Division St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,996 sqft · built 1900 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,670 (2026) |
| Deeds & Mortgages | Feb 2022 Refinance Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 300.6-2-36 |
| Primary APN | 361200 300.6-2-36 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,996 sqft Living Area |
| 1st Floor Area | 1,184 sqft |
| 2nd Floor Area | 812 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 106 ft deep x 97 ft wide |
| Garage Type | Detached |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 499 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 0901 |
|---|---|
| Street Address | 21 DIVISION ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 140 |
| Legal Block | 2 |
| Legal Lot Number | 36.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 590900 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 21 DIVISION ST, ONEONTA, NY 13820-2621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC |
| Aug 20, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 21 DIVISION ST, ONEONTA, NY 13820-2621 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000069 |
|---|---|
| Date | Feb 28, 2022 |
| Instrument | 2022-1069 |
| Name | NEWREZ LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 21 DIVISION ST, ONEONTA, NY 13820-2621 |
| Document Number | 0000003812 |
| Instrument Date | Aug 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 21 DIVISION ST ONEONTA NY 138202621, ONEONTA, NY 13820-2621 |
| Document Number | 0000003812 |
|---|---|
| Date | Sep 10, 2020 |
| Instrument | 3812 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 9, 2045 |
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 | $4,670.00 (+15.31%) Homeowner's exemption | ||
| 2025 | $4,050.00 | $120,000 (-) Land $20,400 Building $99,600 | $169,014 (+14.08%) Land $28,732 Building $140,282 |
| 2023 | $120,000 Land $20,400 Building $99,600 | $148,148 Land $25,185 Building $122,963 |
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 |
|---|---|
| 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 | 1 in force |
| Nearby Flood Claims | 1 (1996) |
| Most Recent Claim | Jan 1996 · Severe Storms And Flooding |
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 | None beyond ember reach |
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 252 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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