25 W End Ave, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 25 W End Ave, Oneonta, NY 13820

Property Summary

Property Type	Residential
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on File
Tax Bill	$189 (2026)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 299.7-5-5`

Property Details

APN / Parcel Number

Primary APN	`361200 299.7-5-5`
Alternative APNs	`120029900700050050000000` `3911 3590`

Exterior

Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	132 ft deep x 10 ft wide
Garage Type	Detached
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 3590
Street Address	25 W END AVE
City	ONEONTA
State	NY
Zip	13820-1139
Property Category	Residential
Property Type	Residential > Specialized > Other
Local Zoning Code	120
Legal Block	5
Legal Lot Number	5.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2006
Census Tract	591700

Owner

25 W End Ave, a residential property, is owned by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	27 W END AVE, ONEONTA, NY 13820-1139
Owner Type	Individual

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	2 Names on Deed
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	25 W END AVE, ONEONTA, NY 13820-1139
Document Number	0000005151
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	May 24, 2021
Title Company	LEGACY TITLE SERVICES, LEGACY TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 FAIR ST ONEONTA NY 138202637, ONEONTA, NY 13820-2637

Mortgage

Document Number	0000005151
Date	Nov 17, 2020
Instrument	5151

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 16, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 25 W End Ave was $189, up 2.7% 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	$189.00 (+2.72%)
2025	$184.00	$4,900 Land $1,100 Building $3,800	$6,901 Land $1,549 Building $5,352
2023		$4,900 Land $1,100 Building $3,800	$6,049 Land $1,358 Building $4,691

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

Flood

FEMA maps place 25 W End Ave in Zone X, an area of minimal flood risk.

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	1 in force

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 25 W End Ave 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

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