28 Franklin St, Oneonta, NY 13820 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,121 sqft · built 1920
Lot Size	0.05 acres (2,178 sqft)
Owner	Company Name on File
Last Sale	$129,000 (Oct 2024)
Tax Bill	$3,750 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 300.5-2-27`

Property Details

APN / Parcel Number

Primary APN	`361200 300.5-2-27`
Alternative APNs	`120030000500020270000000` `3911 1449`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,121 sqft Living Area
1st Floor Area	653 sqft
2nd Floor Area	468 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	54 ft deep x 43.5 ft wide
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	115 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 1449
Street Address	28 FRANKLIN ST
City	ONEONTA
State	NY
Zip	13820-1712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	130
Legal Block	2
Legal Lot Number	27.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2021
Census Tract	591100

Owner

28 Franklin St is owned by a company that bought it in October 2024.

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

Owner of Record	Company Name on File
Mailing Address	2887 CHARLES RD, WANTAGH, NY 11793-1015
Owner Type	Company
Vesting	Limited Liability Company

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	Name on Deed
Last Sale	Oct 2, 2024 · Amount on File
Deed Sale	Oct 2, 2024 · Amount on File
Prior Sale	Dec 20, 2021 · Amount on File
Deed Document Number	20242024-3905
Prior Transfer Date	May 27, 2006
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Dec 20, 2021
Property Address	28 FRANKLIN ST, ONEONTA, NY 13820-1712
Document Number	0000000098
Instrument Date	Dec 17, 2021
Instrument	2021-7098
Transaction Type	Transfer
Record Updated	Mar 21, 2023

Transaction

Amount	Amount on Record
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
Address	61 KINGSTON AVE, HAWTHORNE, NJ 07506-1204

Mortgage

Document Number	0000000099
Date	Dec 20, 2021
Instrument	2021-7099

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 28 Franklin St was $3,750, up 3.8% 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	$3,750.00 (+3.76%)
2025	$3,614.00	$95,000 Land $6,000 Building $89,000	$133,803 Land $8,451 Building $125,352
2023		$95,000 Land $6,000 Building $89,000	$117,284 Land $7,407 Building $109,877

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

Flood

FEMA maps place 28 Franklin St in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1986.

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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 28 Franklin St 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 393 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