28 Fair St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 28 Fair St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,520 sqft · built 1900
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Aug 2026)
Tax Bill	$3,548 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`361200 300.6-4-16`

Property Details

APN / Parcel Number

Primary APN	`361200 300.6-4-16`
Alternative APNs	`120030000600040160000000` `3911 1256`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,520 sqft Living Area
1st Floor Area	834 sqft
2nd Floor Area	686 sqft
Upper Floors Area	166 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	115 ft deep x 67 ft wide
Garage Type	Detached
Garage Area	340 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	98 sqft
Canopy	98 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 1256
Street Address	28 FAIR ST
City	ONEONTA
State	NY
Zip	13820-2637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	4
Legal Lot Number	16.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	3
Census Block	3015
Census Tract	590900

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	7 WHIPPLE RD, DAVENPORT CENTER, NY 13751-8342
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Warranty Deed, Transfer · Conventional Mortgage SIDNEY FEDERAL CREDIT UNION
Jun 13, 2023	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2026 · Amount on Record
Deed Sale	Aug 26, 2026 · Amount on Record
Prior Sale	Jun 13, 2023 · Amount on Record
Deed Document Number	20262026-3845
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Aug 26, 2026
Property Address	28 FAIR ST, ONEONTA, NY 13820-2637
Document Number	0000003845
Instrument Date	Aug 18, 2026
Instrument	20263845
Transaction Type	Transfer
Record Updated	Sep 15, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7 WHIPPLE RD, DAVENPORT CENTER, NY 13751-8342

Mortgage

Date	Aug 26, 2026

Lender

Name	SIDNEY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

June 2023: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	OTSEGO NY
Recording Date	Jun 13, 2023
Property Address	28 FAIR ST, ONEONTA, NY 13820-2637
Document Number	0000000346
Instrument Date	Jun 13, 2023
Instrument	2023-2346
Transaction Type	Transfer
Record Updated	Jul 4, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 PEARL ST, ONEONTA, NY 13820-1261

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	$3,548.00 (+6.26%)
2025	$3,339.00	$87,700 (-) Land $17,600 Building $70,100	$123,521 (+14.08%) Land $24,789 Building $98,732
2023		$87,700 (-29.84%) Land $17,600 Building $70,100	$108,272 (-20.31%) Land $21,728 Building $86,544
2022		$125,000 Land $17,600 Building $107,400	$135,870 Land $19,130 Building $116,740

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Jan 1996 · Severe Storms And Flooding

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

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 318 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

May also be available: Verizon.

Nearby Properties on Fair St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures