21 Franklin St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 21 Franklin St, Oneonta, NY 13820 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,940 sqft · built 1890
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Nov 2021)
Tax Bill	$5,498 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 300.5-2-34`

Property Details

APN / Parcel Number

Primary APN	`361200 300.5-2-34`
Alternative APNs	`120030000500020340000000` `3911 1435`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,940 sqft Living Area
1st Floor Area	980 sqft
2nd Floor Area	960 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1975
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	109 ft deep x 39 ft wide
Garage Type	Detached
Garage Area	1,088 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	162 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 1435
Street Address	21 FRANKLIN ST
City	ONEONTA
State	NY
Zip	13820-1733
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	34.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2023
Census Tract	591100

Owner

Source: Otsego County and Oneonta City records · APN 361200 300.5-2-34

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	21 FRANKLIN ST, ONEONTA, NY 13820-1733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 01, 2021 · Amount on Record
Deed Sale	Nov 01, 2021 · Amount on Record
Prior Sale	Oct 10, 2007 · Amount on Record
Deed Document Number	20216071
Record Updated	Jun 08, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Nov 01, 2021
Property Address	21 FRANKLIN ST, ONEONTA, NY 13820-1733
Document Number	71
Instrument Date	Oct 20, 2021
Instrument	2021-6071
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1687 STATE HIGHWAY 205, ONEONTA, NY 13820-3337

Mortgage

Document Number	72
Date	Nov 01, 2021
Instrument	2021-6072

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$5,498.00	$145,000 (-) Land $12,700 Building $132,300	$204,225 (+14.08%) Land $17,887 Building $186,338
2023		$145,000 Land $12,700 Building $132,300	$179,012 Land $15,679 Building $163,333

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Otsego County (36077C), updated March 20, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360775911002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 16 individual NFIP policies nearby
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	20 (1986–2014)
Claims Outside the SFHA	4 of 20
Most Recent Claim	Feb 2014
Claims By Storm	Remnants Of Tropical Storm Lee, Sep 2011 · 9 claims Severe Storms And Flooding, Jun 2006 · 7 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach

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, availability as of December 31, 2025 · Published October 2026 · based on 393 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.