Otsego County and Oneonta City property record for 24 Union St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,676 sqft · built 1910 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $239,900 (Feb 2025) |
| Tax Bill | $4,014 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Nov 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.14-3-69 |
| Primary APN | 361200 288.14-3-69 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,676 sqft Living Area |
| 1st Floor Area | 974 sqft |
| 2nd Floor Area | 702 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 113 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 284 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3280 |
|---|---|
| Street Address | 24 UNION ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1648 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 3 |
| Legal Lot Number | 69.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 591000 |
24 Union St is owned and occupied by two individuals who bought it in February 2025.
Source: Otsego County and Oneonta City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2298 COUNTY HIGHWAY 10, MARGARETVILLE, NY 12455 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 17, 2025 | Deed of Trust, Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 30, 2023 | Deed, Transfer |
| Dec 12, 2022 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 18, 2025 · Amount on File |
| Deed Sale | Feb 18, 2025 · Amount on File |
| Prior Sale | Nov 30, 2023 · Amount on File |
| Deed Document Number | 20252025-618 |
| Prior Transfer Date | Feb 18, 2005 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 24 UNION ST, ONEONTA, NY 13820-1648 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000000057 |
|---|---|
| Date | Dec 17, 2025 |
| Instrument | 2025-5057 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 337 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Nov 30, 2023 |
| Property Address | 24 UNION ST, ONEONTA, NY 13820-1648 |
| Document Number | 0000000957 |
| Instrument Date | Nov 22, 2023 |
| Instrument | 2023-4957 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3 HALE DR, HALFMOON, NY 12065-6571 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Dec 12, 2022 |
| Property Address | 24 UNION ST, ONEONTA, NY 13820-1648 |
| Document Number | 0000000697 |
| Instrument Date | Nov 21, 2022 |
| Instrument | 2022-6697 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 DAWLEY RD, FAYETTEVILLE, NY 13066-2545 |
The 2026 property tax bill for 24 Union St was $4,014 with exemptions applied, down 15.4% from the year before.
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 | $4,014.00 (-15.39%) Disabled Person's exemption Veteran's exemption | ||
| 2025 | $4,744.00 | $125,000 Land $14,100 Building $110,900 | $176,056 Land $19,859 Building $156,197 |
| 2023 | $125,000 (-) Land $14,100 Building $110,900 | $154,321 (+13.58%) Land $17,407 Building $136,914 | |
| 2022 | $125,000 Land $14,100 Building $110,900 | $135,870 Land $15,326 Building $120,544 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 24 Union St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Wildfire risk around 24 Union 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures