299 Chestnut St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 299 Chestnut St, Oneonta, NY 13820

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 1,890 sqft · built 1900
Lot Size	0.26 acres (11,326 sqft)
Owner	Company Name on File
Last Sale	$115,000 (Mar 2019)
Tax Bill	$4,478 (2026)
Deeds & Mortgages	Jan 2022 Refinance Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 299.8-1-88`

Property Details

APN / Parcel Number

Primary APN	`361200 299.8-1-88`
Alternative APNs	`120029900800010880000000` `3911 0517`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,890 sqft Total Area
1st Floor Area	931 sqft
2nd Floor Area	959 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	200 ft deep x 56 ft wide
Porch	Slab
Porch Area	158 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 0517
Street Address	299 CHESTNUT ST
City	ONEONTA
State	NY
Zip	13820-1363
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	120
Legal Block	1
Legal Lot Number	88.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1031
Census Tract	591100

Owner

299 Chestnut St, a duplex, is owned by a company that bought it in March 2019.

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

Owner of Record	Company Name on File
Mailing Address	320 EDDIE MARTIN RD, MILFORD, NY 13807-1115
Owner Type	Company
Vesting	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

Date	Document
Jan 18, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA
Mar 4, 2019	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2019 · Amount on File
Deed Sale	Mar 4, 2019 · Amount on File
Prior Sale	Oct 1, 2013 · Amount on File
Deed Document Number	2019991
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	299 CHESTNUT ST, ONEONTA, NY 13820-1363
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000051
Date	Jan 18, 2022
Instrument	2022-351

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Mar 4, 2019
Property Address	299 CHESTNUT ST, ONEONTA, NY 13820-1363
Document Number	0000000991
Instrument Date	Feb 25, 2019
Instrument	991
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	320 EDDIE MARTIN RD MILFORD NY 138071115, MILFORD, NY 13807-1115

Mortgage

Document Number	992
Date	Mar 4, 2019
Book Page	002019/000992
Instrument	992

Lender

Name	COMMUNITY BK NA
Address	OLEAN, NY 14760

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 3, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 299 Chestnut St was $4,478, up 2.6% 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	$4,478.00 (+2.59%)
2025	$4,365.00	$114,000 Land $20,900 Building $93,100	$160,563 Land $29,437 Building $131,126
2023		$114,000 Land $20,900 Building $93,100	$140,741 Land $25,803 Building $114,938

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

Flood

FEMA maps place 299 Chestnut St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1978.

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	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

Wildfire risk around 299 Chestnut 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
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 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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