Otsego County and Oneonta City property record for 3 Central Ave, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,400 sqft · built 1880 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $188,000 (Dec 2022) |
| Tax Bill | $5,055 (2026) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Dec 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.17-3-39 |
| Primary APN | 361200 288.17-3-39 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,400 sqft Living Area |
| 1st Floor Area | 896 sqft |
| Upper Floors Area | 504 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 87 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 333 sqft |
| Patio Area | 80 sqft |
| Canopy | 140 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 0367 |
|---|---|
| Street Address | 3 CENTRAL AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 140 |
| Legal Block | 3 |
| Legal Lot Number | 39.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 591000 |
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 | 2443 STATE HIGHWAY 28, ONEONTA, NY 13820-3127 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage SIDNEY FEDERAL CREDIT UNION |
| Dec 29, 2021 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Nov 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LAND HM FIN'L SVCS INC |
| Feb 6, 2019 | Warranty Deed, Transfer · Conventional with PMI LAND HM FIN'L SVCS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2022 · Amount on Record |
| Deed Sale | Dec 15, 2022 · Amount on Record |
| Prior Sale | Feb 6, 2019 · Amount on Record |
| Deed Document Number | 20226794 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Dec 15, 2022 |
| Property Address | 3 CENTRAL AVE, ONEONTA, NY 13820-1403 |
| Document Number | 0000000794 |
| Instrument Date | Dec 12, 2022 |
| Instrument | 2022-6794 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2443 STATE HIGHWAY 28, ONEONTA, NY 13820-3127 |
| Document Number | 0000000795 |
|---|---|
| Date | Dec 15, 2022 |
| Instrument | 2022-6795 |
| Name | SIDNEY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 3 CENTRAL AVE, ONEONTA, NY 13820-1403 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000000262 |
|---|---|
| Date | Dec 29, 2021 |
| Instrument | 2021-7262 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jan 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 3 CENTRAL AVE, ONEONTA, NY 13820-1403 |
| Document Number | 0000005024 |
| Instrument Date | Nov 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC LA |
| Name | Verified Name |
|---|---|
| Address | 3 MAPLE ST ONEONTA NY 138201920, ONEONTA, NY 13820-1920 |
| Document Number | 0000005024 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 5024 |
| Name | LAND HM FIN'L SVCS INC |
|---|---|
| Address | CONCORD, CA 94520 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 9, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Feb 6, 2019 |
| Property Address | 3 CENTRAL AVE, ONEONTA, NY 13820-1403 |
| Document Number | 0000000592 |
| Instrument Date | Jan 28, 2019 |
| Instrument | 592 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 MAPLE ST ONEONTA NY 138201920, ONEONTA, NY 13820-1920 |
| Document Number | 593 |
|---|---|
| Date | Feb 6, 2019 |
| Book Page | 002019/000593 |
| Instrument | 593 |
| Name | LAND HM FIN'L SVCS INC |
|---|---|
| Address | CONCORD, CA 94520 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 5, 2049 |
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 | $5,055.00 (+2.47%) | ||
| 2025 | $4,933.00 | $130,000 (-) Land $12,000 Building $118,000 | $183,099 (+14.08%) Land $16,901 Building $166,198 |
| 2023 | $130,000 Land $12,000 Building $118,000 | $160,494 Land $14,815 Building $145,679 |
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 |
|---|---|
| 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 | 7 in force |
| Nearby Flood Claims | 3 (2006–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| 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 | Indirect within ember reach |
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 661 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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