Otsego County and Oneonta City property record for 3 Morgan Ave, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,251 sqft · built 1930 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $72,500 (Dec 2001) |
| Tax Bill | $5,171 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 299.7-5-41 |
| Primary APN | 361200 299.7-5-41 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,251 sqft Living Area |
| 1st Floor Area | 756 sqft |
| Upper Floors Area | 495 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 184 sqft |
| Shed | 1 Shed |
| Shed Area | 42 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2365 |
|---|---|
| Street Address | 3 MORGAN AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 5 |
| Legal Lot Number | 41.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 591700 |
3 Morgan Ave is owned and occupied by two individuals who bought it in December 2001.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 MORGAN AVE, ONEONTA, NY 13820-1219 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 2001 · Amount on File |
| Deed Sale | Dec 20, 2001 · Amount on File |
| Prior Sale | Aug 3, 1995 · Amount on File |
| Deed Book / Page | 954 / 280 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 3 Morgan Ave was $5,171 with exemptions applied, up 32.3% 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 | $5,171.00 (+32.32%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $3,908.00 | $133,000 Land $14,800 Building $118,200 | $187,324 Land $20,845 Building $166,479 |
| 2023 | $133,000 Land $14,800 Building $118,200 | $164,198 Land $18,272 Building $145,926 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Morgan Ave in Zone X, an area of minimal flood risk.
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 | 1 in force |
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 Morgan 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 376 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 |
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