3 O'Neill Dr, Oneonta, NY 13820 Property Records

Otsego County and Oneonta Town property record for 3 O'Neill Dr, Oneonta, NY 13820 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,036 sqft · built 2005
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$232,000 (Aug 2008)
Tax Bill	$5,944 (2025)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`364600 287.19-4-27.00`

Property Details

APN / Parcel Number

Primary APN	`364600 287.19-4-27.00`
Alternative APNs	`460028701900040270000000` `198004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,036 sqft Living Area
1st Floor Area	992 sqft
2nd Floor Area	848 sqft
Upper Floors Area	196 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	7,841 sqft (0.18 acres)
Lot Width	70 ft Width
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	184 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	198004
Street Address	3 ONEILL DR
City	ONEONTA
State	NY
Zip	13820-1157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	003FM 2238 5124 0 27
Legal Block	4
Legal Lot Number	27.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2020
Census Tract	590800

Owner

Source: Otsego County and Oneonta Town records · APN 364600 287.19-4-27.00

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	Individual Name on File
Mailing Address	3 ONEILL DR, ONEONTA, NY 13820-1157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 20, 2008 · Amount on Record
Deed Sale	Aug 20, 2008 · Amount on Record
Prior Sale	Feb 07, 2005 · Amount on Record
Deed Book / Page	1117 / 792
Record Updated	Jun 08, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	3 ONEILL DR, ONEONTA, NY 13820-1157
Transaction Type	Mortgage
Record Updated	Jan 18, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000146
Date	Dec 22, 2021
Instrument	2021-7146

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	193 Months
Due	Jan 01, 2038

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Oneonta Town
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	$5,944.00 (+223.22%)	$202,000 (-) Land $29,600 Building $172,400	$288,571 (+11.43%) Land $42,286 Building $246,285
2023	$1,839.00 Homeowner's exemption	$202,000 (-) Land $29,600 Building $172,400	$258,974 (+12.82%) Land $37,949 Building $221,025
2022		$202,000 Land $29,600 Building $172,400	$229,545 Land $33,636 Building $195,909

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Otsego County (36077C), updated March 20, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360775908002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 6 individual NFIP policies nearby
Nearby Flood Policies	6 in force 5 of 6 on primary residences
Nearby Flood Claims	5 (2006–2013)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jul 2013, river or lake flooding
Flood Events	Remnants Of Tropical Storm Lee (Sep 2011), 3 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.