217 River St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 217 River St, Oneonta, NY 13820

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 1,639 sqft · built 1920
Lot Size	0.44 acres (19,166 sqft)
Owner	Company Name on File
Last Sale	$138,000 (Sep 2023)
Tax Bill	$5,714 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`361200 299.16-2-2.1`

Property Details

APN / Parcel Number

Primary APN	`361200 299.16-2-2.1`
Alternative APNs	`120029901600020020010000` `3911 2784`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,639 sqft Total Area
1st Floor Area	784 sqft
2nd Floor Area	684 sqft
Attic	Attic
Attic Area	171 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1975
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	19,166 sqft (0.44 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 2784
Street Address	217 RIVER ST
City	ONEONTA
State	NY
Zip	13820-2783
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	230
Legal Block	2
Legal Lot Number	2.001
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1012
Census Tract	591100

Owner

217 River St, a triplex, is owned by a company that bought it in September 2023.

Source: Otsego County and Oneonta City records, as of September 23, 2026

Owner of Record	Company Name on File
Mailing Address	26 COLLEGE TER, ONEONTA, NY 13820-1204
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2023 · Amount on File
Deed Sale	Sep 11, 2023 · Amount on File
Prior Sale	Jun 7, 2006 · Amount on File
Deed Document Number	20233653
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Sep 11, 2023
Property Address	217 RIVER ST, ONEONTA, NY 13820-2783
Document Number	0000000653
Instrument Date	Sep 8, 2023
Instrument	2023-3653
Transaction Type	Transfer
Record Updated	Oct 3, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	26 COLLEGE TER, ONEONTA, NY 13820-1204

Mortgage

Document Number	0000000654
Date	Sep 11, 2023
Instrument	2023-3654

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 217 River St was $5,714, up 2.6% from the year before.

Source: Otsego County and Oneonta City assessment roll, as of April 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,714.00 (+2.62%)
2025	$5,568.00	$145,000 Land $24,100 Building $120,900	$204,225 Land $33,944 Building $170,281
2023		$145,000 (-) Land $24,100 Building $120,900	$179,012 (+13.58%) Land $29,753 Building $149,259
2022		$145,000 Land $24,100 Building $120,900	$157,609 Land $26,196 Building $131,413

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 217 River St in Zone X, an area of moderate flood risk, though there have been 11 flood claims nearby since 1978.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	11 (1978–2011)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Severe Storms And Flooding, Jun 2006 · 3 claims

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

Wildfire risk around 217 River 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 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
T-Mobile Fixed Wireless	100 / 20