Otsego County and Oneonta City property record for 23 Cedar St, Oneonta, NY 13820
| Property Type | Duplex |
|---|---|
| Details | 8 bd · 2 ba · 2,178 sqft · built 1900 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $285,000 (Oct 2025) |
| Tax Bill | $7,082 (2026) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Apr 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.14-1-29 |
| Primary APN | 361200 288.14-1-29 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,178 sqft Total Area |
| 1st Floor Area | 1,089 sqft |
| 2nd Floor Area | 1,089 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 132 ft deep x 59 ft wide |
| Garage Type | Detached |
| Porch | Porch |
| Porch Area | 177 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 0270 |
|---|---|
| Street Address | 23 CEDAR ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1530 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 140 |
| Legal Block | 1 |
| Legal Lot Number | 29.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 591000 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 23 CEDAR ST, ONEONTA, NY 13820-1530 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 17, 2025 | Warranty Deed, Transfer HOMESTEAD FUNDING CORP |
| Apr 12, 2024 | Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP |
| Apr 4, 2022 | Warranty Deed, Transfer · Stand-Alone Refinance EQUITY PRIME MTG |
| Oct 12, 2018 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2025 · Amount on Record |
| Deed Sale | Oct 17, 2025 · Amount on Record |
| Prior Sale | Apr 12, 2024 · Amount on Record |
| Deed Document Number | 20254112 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 17, 2025 |
| Property Address | 23 CEDAR ST, ONEONTA, NY 13820-1530 |
| Document Number | 0000000112 |
| Instrument Date | Oct 6, 2025 |
| Instrument | 2025-4112 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 0000000113 |
|---|---|
| Date | Oct 17, 2025 |
| Instrument | 2025-4113 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Apr 12, 2024 |
| Property Address | 23 CEDAR ST, ONEONTA, NY 13820-1530 |
| Document Number | 0000000392 |
| Instrument Date | Apr 8, 2024 |
| Instrument | 2024-1392 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 112 CENTRAL DR, ONEONTA, NY 13820-3628 |
| Document Number | 0000000393 |
|---|---|
| Date | Apr 12, 2024 |
| Instrument | 2024-1393 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Apr 4, 2022 |
| Property Address | 23 CEDAR ST, ONEONTA, NY 13820-1530 |
| Document Number | 0000000847 |
| Instrument Date | Mar 4, 2022 |
| Instrument | 2022-1847 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7285 CALAMUS AVE, WOODSIDE, NY 11377-7635 |
| Document Number | 0000000848 |
|---|---|
| Date | Apr 4, 2022 |
| Instrument | 2022-1848 |
| Name | EQUITY PRIME MTG |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 12, 2018 |
| Property Address | 23 CEDAR ST, ONEONTA, NY 13820-1530 |
| Document Number | 0000004915 |
| Instrument Date | Sep 28, 2018 |
| Instrument | 4915 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2018 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 37 NEW ST EASTCHESTER NY 107093526, EASTCHESTER, NY 10709-3526 |
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 | $7,082.00 (+2.52%) | ||
| 2025 | $6,908.00 (-10.91%) | $181,500 (-) Land $16,900 Building $164,600 | $255,634 (+8.45%) Land $23,803 Building $231,831 |
| 2024 | $7,754.00 | $181,500 (+26.04%) Land $16,900 Building $164,600 | $235,714 (+32.59%) Land $21,948 Building $213,766 |
| 2023 | $144,000 Land $16,900 Building $127,100 | $177,778 Land $20,864 Building $156,914 |
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 | 2 in force |
| Nearby Flood Claims | 1 (1979) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1979 · tidal / storm surge |
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 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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