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3 Normal Ave, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 3 Normal Ave, Oneonta, NY 13820 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms1.5 Baths
Year BuiltBuilt 1960
Square Footage2,149 sqft Living Area
Lot Size6,098 sqft (0.14 acres)
OccupancyOwner Occupied
Last Sale$230,000 (2026)
Tax Bill$5,649.00 (2025)

Property Details

APN / Parcel Number

Primary APN361200 288.14-1-40
Alternative APNs
  • 120028801400010400000000
  • 3911 2443

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Partial Baths1 Partial Baths
Building Area2,149 sqft Living Area
1st Floor1,204 sqft 1st Floor
2nd Floor945 sqft 2nd Floor
Stories2 Stories

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1960
Architectural StyleTraditional Style
Exterior MaterialComposition/Composite Exterior
Lot Area6,098 sqft (0.14 acres)
Depth X Width120 ft x 50 ft Depth x Width
Parking Spaces1 Parking Spaces
Garage TypeCarport Garage
Garage Area250 sqft Garage
CarportCarport
Carport Area250 sqft Carport
Porch1 Porch
Porch Area95 sqft Porch
Canopy Area84 sqft Canopy

Utilities and HVAC

Heating SystemHot Water Heating
Heating FuelGas Heating Fuel
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Account Number3911 2443
Street Address3 NORMAL AVE
CityONEONTA
StateNY
Zip13820-1517
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Block1
Legal Lot Number40.000
JurisdictionOTSEGO NY
Minor Civil DivisionONEONTA
Census Blockgroup1
Census Block1018
Census Tract591000

Owner

Source: Otsego County and Oneonta City records · APN 361200 288.14-1-40

Assessment roll updated April 30, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3 NORMAL AVE, ONEONTA, NY 13820-1517
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Feb 06, 2026Warranty Deed, Transfer · Conventional Mortgage
PREMIUM MORTGAGE CO
Jul 29, 2022Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
HOMESTEAD FUNDING CORP
Apr 19, 2021Warranty Deed, Transfer · Stand Alone First Mortgage
NBT BANK NATIONAL ASSOCIATION

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 06, 2026 · Amount on Record
Deed SaleFeb 06, 2026 · Amount on Record
Prior SaleJul 29, 2022 · Amount on Record
Deed Doc Number2026569
Record RefreshedSep 20, 2026

February 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOTSEGO NY
Recording DateFeb 06, 2026
Property Address3 NORMAL AVE, ONEONTA, NY 13820-1517
Document Number0000000069
Instrument DateFeb 03, 2026
Instrument2026-569
Transaction TypeTransfer
Record UpdatedJul 01, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000070
DateFeb 06, 2026
Instrument2026-570
Lender
NamePREMIUM MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2056

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOTSEGO NY
Recording DateJul 29, 2022
Property Address3 NORMAL AVE, ONEONTA, NY 13820-1517
Document Number0000000164
Instrument DateJul 27, 2022
Instrument2022-4164
Transaction TypeTransfer
Record UpdatedAug 23, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address29 MAIN ST APT 5, 5, LAURENS, NY 13796-1222

Mortgage

Document Number0000000165
DateJul 29, 2022
Instrument2022-4165
Lender
NameHOMESTEAD FUNDING CORP
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOTSEGO NY
Recording DateApr 19, 2021
Property Address3 NORMAL AVE, ONEONTA, NY 13820-1517
Document Number145
Instrument DateMar 30, 2021
Instrument2021-2145
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenant By Entirety
Address2983 STATE HIGHWAY 23, WEST ONEONTA, NY 13861-6913

Mortgage

Document Number146
DateApr 19, 2021
Instrument2021-2146
Lender
NameNBT BANK NATIONAL ASSOCIATION
TypeBank
Agreement
TypeStand Alone First Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountyOtsego County
MunicipalityOneonta City
Unified School DistrictOneonta 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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,649.00 (+5.31%)$149,000 (-) Land $14,800 Building $134,200$209,859 (+8.45%) Land $20,845 Building $189,014
2024$5,364.00$149,000 (-) Land $14,800 Building $134,200$193,506 (+5.19%) Land $19,221 Building $174,285
2023$149,000 Land $14,800 Building $134,200$183,951 Land $18,272 Building $165,679

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