27 Gilbert St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 27 Gilbert St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,044 sqft · built 1900
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,000 (Mar 2020)
Tax Bill	$3,666 (2026)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`361200 299.16-2-35`

Property Details

APN / Parcel Number

Primary APN	`361200 299.16-2-35`
Alternative APNs	`120029901600020350000000` `3911 1513`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,044 sqft Living Area
1st Floor Area	736 sqft
Upper Floors Area	308 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 1513
Street Address	27 GILBERT ST
City	ONEONTA
State	NY
Zip	13820-2226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	2
Legal Lot Number	35.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1012
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	2 Individual Names on Record
Mailing Address	1894 CHARLOTTE CREEK RD, ONEONTA, NY 13820-4219
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2020 · Amount on Record
Deed Sale	Mar 12, 2020 · Amount on Record
Deed Document Number	20201188
Prior Transfer Date	Sep 1, 2011
Prior Transfer Doc	2011004027
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Mar 12, 2020
Property Address	27 GILBERT ST, ONEONTA, NY 13820-2226
Document Number	0000001188
Instrument Date	Mar 11, 2020
Instrument	1188
Transaction Type	Transfer
Record Updated	Apr 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1894 CHARLOTTE CREEK RD ONEONTA NY 138204219, ONEONTA, NY 13820-4219

Mortgage

Document Number	1189
Date	Mar 12, 2020
Instrument	1189

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 11, 2050

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	$3,666.00 (+2.52%)
2025	$3,576.00	$94,000 (-) Land $19,500 Building $74,500	$132,394 (+14.08%) Land $27,465 Building $104,929
2023		$94,000 Land $19,500 Building $74,500	$116,049 Land $24,074 Building $91,975

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 180 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