280 Chestnut St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 280 Chestnut St, Oneonta, NY 13820

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,540 sqft · built 1900
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Jul 2025)
Tax Bill	$3,745 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Mar 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`361200 299.8-2-2`

Property Details

APN / Parcel Number

Primary APN	`361200 299.8-2-2`
Alternative APNs	`120029900800020020000000` `3911 0619`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,540 sqft Total Area
1st Floor Area	924 sqft
2nd Floor Area	616 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 65 ft wide
Garage Type	Detached
Porch	Slab
Porch Area	264 sqft
Patio Area	56 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 0619
Street Address	280 CHESTNUT ST
City	ONEONTA
State	NY
Zip	13820-1250
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	120
Legal Block	2
Legal Lot Number	2.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2000
Census Tract	591700

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	278 CHESTNUT ST, ONEONTA, NY 13820-1250
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2025	Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA
Mar 1, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Nov 26, 2018	Grant Deed, Transfer
Nov 8, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2025 · Amount on Record
Deed Sale	Jul 29, 2025 · Amount on Record
Prior Sale	Mar 1, 2019 · Amount on Record
Deed Document Number	20252854
Prior Transfer Date	Nov 26, 2018
Prior Transfer Doc	0000000691
Record Updated	Oct 29, 2026

July 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	OTSEGO NY
Recording Date	Jul 29, 2025
Property Address	280 CHESTNUT ST, ONEONTA, NY 13820-1250
Document Number	0000000854
Instrument Date	Jul 22, 2025
Instrument	2025-2854
Transaction Type	Transfer
Record Updated	Apr 3, 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	Joint Tenants
Address	278 CHESTNUT ST, ONEONTA, NY 13820-1250

Mortgage

Document Number	0000000855
Date	Jul 29, 2025
Instrument	2025-2855

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Mar 1, 2019
Property Address	280 CHESTNUT ST, ONEONTA, NY 13820-1250
Document Number	0000000954
Instrument Date	Feb 20, 2019
Instrument	954
Transaction Type	Transfer
Record Updated	Apr 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$440.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2101 WILLIAMSBRIDGE RD BRONX NY 104611601, BRONX, NY 10461-1601

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Nov 26, 2018
Property Address	280 CHESTNUT ST, ONEONTA, NY 13820-1250
Document Number	0000005691
Instrument Date	Nov 26, 2018
Instrument	5691
Transaction Type	Transfer
Record Updated	Dec 26, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 WEST ST ONEONTA NY 138204652, ONEONTA, NY 13820-4652

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Nov 8, 2018
Property Address	280 CHESTNUT ST, ONEONTA, NY 13820-1250
Document Number	0000005428
Instrument Date	Jun 15, 2018
Instrument	5428
Transaction Type	Transfer
Record Updated	Dec 26, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 WEST ST ONEONTA NY 138204652, ONEONTA, NY 13820-4652

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	$3,745.00 (-42.05%)
2025	$6,463.00	$95,000 (-) Land $20,600 Building $74,400	$133,803 (+14.08%) Land $29,014 Building $104,789
2023		$95,000 Land $20,600 Building $74,400	$117,284 Land $25,432 Building $91,852

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
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

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	Direct burnable vegetation

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 175 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.

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