243 River St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 243 River St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,668 sqft · built 1900
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on Record
Tax Bill	$5,495 (2026)
Deeds & Mortgages	Nov 2020 Transfer
Flood Zone	Zone X (moderate risk)
APN	`361200 299.15-1-21.1`

Property Details

APN / Parcel Number

Primary APN	`361200 299.15-1-21.1`
Alternative APNs	`120029901500010210010000` `3911 2786`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,668 sqft Living Area
1st Floor Area	1,048 sqft
2nd Floor Area	620 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Wood
Foundation Type	Raised
Lot Area	21,344 sqft (0.49 acres)
Lot Dimensions	142 ft deep x 168 ft wide
Garage Type	Detached
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	212 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 2786
Street Address	243 RIVER ST
City	ONEONTA
State	NY
Zip	13820-2243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	230
Legal Block	1
Legal Lot Number	21.001
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1017
Census Tract	591100

Owner

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	Individual Name on Record
Mailing Address	12111 NE 164TH ST, JONES, OK 73049-8897
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 16, 2020
Transfer Doc	0000005349
Record Updated	Oct 29, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO NY
Recording Date	Nov 30, 2020
Property Address	243 RIVER ST, ONEONTA, NY 13820-2675
Document Number	0000005349
Instrument Date	Nov 16, 2020
Instrument	5349
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12111 NE 164TH ST JONES OK 730498897, JONES, OK 73049-8897

Tax Assessment & Valuation

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	$5,495.00 (+2.48%)
2025	$5,362.00	$141,400 (-) Land $25,300 Building $116,100	$199,155 (+14.08%) Land $35,634 Building $163,521
2023		$141,400 Land $25,300 Building $116,100	$174,568 Land $31,235 Building $143,333

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 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

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