Otsego County and Oneonta City property record for 29 Franklin St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,301 sqft · built 1920 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $89,000 (Aug 2020) |
| Tax Bill | $4,477 (2026) |
| Deeds & Mortgages | Aug 2021 Refinance Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 300.5-2-30 |
| Primary APN | 361200 300.5-2-30 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,301 sqft Living Area |
| 1st Floor Area | 690 sqft |
| 2nd Floor Area | 611 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 86 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 192 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 136 sqft |
| Shed | 1 Shed |
| Shed Area | 210 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 1438 |
|---|---|
| Street Address | 29 FRANKLIN ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1733 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 130 |
| Legal Block | 2 |
| Legal Lot Number | 30.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 591100 |
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 | 1709 COUNTY HIGHWAY 39, BAINBRIDGE, NY 13733 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HOMESTEAD FUNDING CORP |
| Aug 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2020 · Amount on Record |
| Deed Sale | Aug 10, 2020 · Amount on Record |
| Prior Sale | Sep 15, 2015 · Amount on Record |
| Deed Document Number | 20203268 |
| Prior Transfer Date | Nov 24, 2009 |
| Prior Transfer Doc | 1127000762 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 29 FRANKLIN ST, ONEONTA, NY 13820-1733 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000000825 |
|---|---|
| Date | Aug 31, 2021 |
| Instrument | 2021-4825 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 10, 2020 |
| Property Address | 29 FRANKLIN ST, ONEONTA, NY 13820-1733 |
| Document Number | 0000003268 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 3268 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $356.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1709 COUNTY ROAD 39 BAINBRIDGE NY 137334210, BAINBRIDGE, NY 13733-4210 |
| Document Number | 3269 |
|---|---|
| Date | Aug 10, 2020 |
| Instrument | 3269 |
| Name | HOMESTEAD FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 9, 2050 |
Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,477.00 (+2.5%) | ||
| 2025 | $4,368.00 | $115,000 (-) Land $96,000 Building $19,000 | $161,972 (+14.08%) Land $135,211 Building $26,761 |
| 2023 | $115,000 (-) Land $96,000 Building $19,000 | $141,975 (+13.58%) Land $118,518 Building $23,457 | |
| 2022 | $115,000 Land $96,000 Building $19,000 | $125,000 Land $104,348 Building $20,652 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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.
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 |
| 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.
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 |
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