Otsego County and Oneonta City property record for 21 Morgan Ave, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,548 sqft · built 1900 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $5,827 (2026) |
| Deeds & Mortgages | Aug 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 299.7-5-50 |
| Primary APN | 361200 299.7-5-50 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,548 sqft Living Area |
| 1st Floor Area | 810 sqft |
| 2nd Floor Area | 738 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 284 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2374 |
|---|---|
| Street Address | 21 MORGAN AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 5 |
| Legal Lot Number | 50.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 591700 |
Source: Otsego County and Oneonta City records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 21 MORGAN AVE, ONEONTA, NY 13820-1245 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 8, 2024 |
| Transfer Doc | 0000000578 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 21 MORGAN AVE, ONEONTA, NY 13820-1245 |
| Document Number | 0000004499 |
| Instrument Date | Aug 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 21 MORGAN AVE ONEONTA NY 138201245, ONEONTA, NY 13820-1245 |
| Document Number | 0000004499 |
|---|---|
| Date | Oct 3, 2019 |
| Instrument | 4499 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 2, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
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 | $5,827.00 (-35.94%) | ||
| 2025 | $9,096.00 | $150,000 (-) Land $23,400 Building $126,600 | $211,268 (+14.08%) Land $32,958 Building $178,310 |
| 2023 | $150,000 Land $23,400 Building $126,600 | $185,185 Land $28,889 Building $156,296 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 1 in force |
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 | Indirect within 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 376 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 |
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