Otsego County and Oneonta City property record for 3 Cozy Ave, Oneonta, NY 13820
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,240 sqft · built 1910 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Apr 2024) |
| Tax Bill | $4,517 (2026) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.17-5-40 |
| Primary APN | 361200 288.17-5-40 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,240 sqft Total Area |
| 1st Floor Area | 1,120 sqft |
| 2nd Floor Area | 1,120 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 2,614 sqft (0.06 acres) |
| Lot Dimensions | 55.5 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 240 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 0821 |
|---|---|
| Street Address | 3 COZY AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1801 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 130 |
| Legal Block | 5 |
| Legal Lot Number | 40.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 591000 |
3 Cozy Ave, a duplex, is owned by two individuals who bought it in April 2024.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 30 AMBY AVE, PLAINVIEW, NY 11803-3449 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 15, 2024 | Warranty Deed, Transfer · Stand-Alone First Mortgage FOUNDATION MORTGAGE CORP |
| Jun 3, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage FTG RENTALS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2024 · Amount on File |
| Deed Sale | Apr 15, 2024 · Amount on File |
| Prior Sale | Jun 3, 2021 · Amount on File |
| Deed Document Number | 20242024-1424 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Apr 15, 2024 |
| Property Address | 3 COZY AVE, ONEONTA, NY 13820-1801 |
| Document Number | 0000000424 |
| Instrument Date | Apr 9, 2024 |
| Instrument | 2024-1424 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2024 |
| Amount | Amount on Record |
|---|---|
| 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 | Joint Tenants |
| Address | 30 AMBY AVE, PLAINVIEW, NY 11803-3449 |
| Document Number | 0000000425 |
|---|---|
| Date | Apr 15, 2024 |
| Instrument | 2024-1425 |
| Name | FOUNDATION MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jun 3, 2021 |
| Property Address | 3 COZY AVE, ONEONTA, NY 13820-1801 |
| Document Number | 81 |
| Instrument Date | May 28, 2021 |
| Instrument | 2021-3081 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2021 |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Address | 109 SUNSET DR, ONEONTA, NY 13820-4691 |
| Document Number | 82 |
|---|---|
| Date | Jun 3, 2021 |
| Instrument | 2021-3082 |
| Name | FTG RENTALS LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 3 Cozy Ave was $4,517, up 2.6% from the year before.
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 | $4,517.00 (+2.59%) | ||
| 2025 | $4,403.00 | $115,000 Land $7,200 Building $107,800 | $161,972 Land $10,141 Building $151,831 |
| 2023 | $115,000 Land $7,200 Building $107,800 | $141,975 Land $8,889 Building $133,086 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Cozy Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 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.
Wildfire risk around 3 Cozy Ave 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures