24 Richards Ave, Oneonta, NY 13820 Property Records

Otsego County and Oneonta Town property record for 24 Richards Ave, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,336 sqft · built 1945
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (May 2003)
Tax Bill	$3,687 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`364600 299.07-2-4.00`

Property Details

APN / Parcel Number

Primary APN	`364600 299.07-2-4.00`
Alternative APNs	`460029900700020040000000` `049500`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,336 sqft Living Area
1st Floor Area	976 sqft
Upper Floors Area	360 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1975
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	11,326 sqft (0.26 acres)
Lot Width	65 ft Width
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	70 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	049500
Street Address	24 RICHARDS AVE
City	ONEONTA
State	NY
Zip	13820-1123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	004 0 0
Legal Block	2
Legal Lot Number	4.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2023
Census Tract	590800

Owner

Source: Otsego County and Oneonta Town records, as of October 21, 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 Record
Mailing Address	24 RICHARDS AVE, ONEONTA, NY 13820-1123
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2003 · Amount on Record
Deed Sale	May 12, 2003 · Amount on Record
Deed Book / Page	1004 / 89
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Recording Date	Sep 28, 2026
Property Address	24 RICHARDS AVE, ONEONTA, NY 13820-1123
Document Number	0000004342
Instrument Date	Sep 15, 2026
Instrument	20264342
Transaction Type	Mortgage
Record Updated	Oct 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 RICHARDS AVE, ONEONTA, NY 13820-1123

Mortgage

Document Number	0000004342,
Date	Sep 28, 2026
Instrument	20264342

Lender

Name	WAYNE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Otsego County and Oneonta Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Oneonta Town
Unified School District	Oneonta City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,687.00 (+6.41%) Homeowner's exemption
2025	$3,465.00 (+227.2%)	$115,000 (-) Land $23,100 Building $91,900	$164,286 (+11.43%) Land $33,000 Building $131,286
2023	$1,059.00 Homeowner's exemption	$115,000 (-) Land $23,100 Building $91,900	$147,436 (+12.82%) Land $29,615 Building $117,821
2022		$115,000 Land $23,100 Building $91,900	$130,682 Land $26,250 Building $104,432

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

Flood

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	5 (2006–2013)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jul 2013 · river or lake flooding
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 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

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 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