258 Main St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 258 Main St, Oneonta, NY 13820

Property Summary

Property Type	Office Building
Details	10,828 sqft · built 1980
Lot Size	0.48 acres (20,909 sqft)
Owner	Company Name on Record
Tax Bill	$106 (2026)
Deeds & Mortgages	Feb 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`361200 300.23-1-22`

Property Details

APN / Parcel Number

Primary APN	`361200 300.23-1-22`
Alternative APNs	`120030002300010220000000` `3911 3932`

Interior

Stories	2 Stories
Building Area	10,828 sqft Gross Area
Basement Area	5,040 sqft
Finished Basement	5,040 sqft
Elevator	Elevator

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1985
Lot Area	20,909 sqft (0.48 acres)

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 3932
Street Address	258 MAIN ST
City	ONEONTA
State	NY
Zip	13820-2546
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	320
Legal Block	1
Legal Lot Number	22.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2000
Census Tract	591100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Oneonta Downtown Historic District listed 2003 · 65 contributing resources · NRIS 03001245

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	CITY HALL, ONEONTA, NY 13820
Owner Type	Company
Vesting	Government

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	258 MAIN ST, ONEONTA, NY 13820-2546
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65
Date	Feb 26, 2021
Book Page	2021/1065
Instrument	2021-1065

Lender

Name	NEW YORK AFFORDABLE HOUSING CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

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	$106.00 (+13.98%)
2025	$93.00	$830,000 (-) Land $83,000 Building $747,000	$1,169,014 (+14.08%) Land $116,901 Building $1,052,113
2023		$830,000 Land $83,000 Building $747,000	$1,024,691 Land $102,469 Building $922,222

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	20 (1986–2014)
Claims Outside the SFHA	4 of 20
Most Recent Claim	Feb 2014
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 9 claims Severe Storms And Flooding, Jun 2006 · 7 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	None beyond 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 252 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