3 Gilbert St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 3 Gilbert St, Oneonta, NY 13820 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,200 sqft · built 1948
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$60,000 (Jan 2023)
Tax Bill	$4,179 (2025)
Deeds & Mortgages	Jan 2023 Sale
Flood Zone	Zone X (moderate risk)
APN	`361200 299.16-2-48`

Property Details

APN / Parcel Number

Primary APN	`361200 299.16-2-48`
Alternative APNs	`120029901600020480000000` `3911 1501`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	900 sqft
Upper Floors Area	300 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1980
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	152 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 1501
Street Address	3 GILBERT ST
City	ONEONTA
State	NY
Zip	13820-2206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	48.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1016
Census Tract	591100

Owner

Source: Otsego County and Oneonta City records · APN 361200 299.16-2-48

Assessment roll updated April 30, 2026 · Last verified May 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 File
Mailing Address	3 GILBERT ST, ONEONTA, NY 13820-2206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 20, 2023 · Amount on Record
Deed Sale	Jan 20, 2023 · Amount on Record
Deed Document Number	2023284
Record Updated	Jun 08, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	OTSEGO NY
Recording Date	Jan 20, 2023
Property Address	3 GILBERT ST, ONEONTA, NY 13820-2206
Document Number	0000000084
Instrument Date	Jan 18, 2023
Instrument	2023-284
Transaction Type	Transfer
Record Updated	Feb 14, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	13 RAYMOND AVE, ONEONTA, NY 13820-1151

Tax Assessment & Valuation

Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,179.00	$110,000 (-) Land $12,900 Building $97,100	$154,930 (+14.09%) Land $18,169 Building $136,761
2023		$110,000 Land $12,900 Building $97,100	$135,802 Land $15,926 Building $119,876

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Otsego County (36077C), updated March 20, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.