Otsego County and Oneonta City property record for 3 Reynolds Ave, Oneonta, NY 13820
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 1,948 sqft · built 1900 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Company Name on Record |
| Last Sale | $240,000 (Mar 2025) |
| Tax Bill | $4,902 (2026) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Aug 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 300.5-3-10 |
| Primary APN | 361200 300.5-3-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,948 sqft Total Area |
| 1st Floor Area | 974 sqft |
| 2nd Floor Area | 974 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 113 ft deep x 50 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 125 sqft |
| Shed | 1 Shed |
| Shed Area | 70 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2667 |
|---|---|
| Street Address | 3 REYNOLDS AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1811 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 130 |
| Legal Block | 3 |
| Legal Lot Number | 10.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 590900 |
Source: Otsego County and Oneonta City records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 9 DIVISION ST, RICHFIELD SPRINGS, NY 13439 |
| Owner Type | Company |
| Vesting | Corporation |
| Date | Document |
|---|---|
| Nov 16, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage FREEDOM MORTGAGE CORP |
| Aug 21, 2018 | Grant Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 25, 2025 · Amount on Record |
| Deed Sale | Mar 25, 2025 · Amount on Record |
| Prior Sale | Nov 16, 2021 · Amount on Record |
| Deed Document Number | 20251138 |
| Prior Transfer Date | Mar 9, 2012 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Nov 16, 2021 |
| Property Address | 3 REYNOLDS AVE, ONEONTA, NY 13820-1811 |
| Document Number | 402 |
| Instrument Date | Nov 12, 2021 |
| Instrument | 2021-6402 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Amount | Amount Recorded |
|---|---|
| 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 | 115 EMERSON AVE, NORTH BABYLON, NY 11703-4807 |
| Investor | Possibly a Property Investor |
| Document Number | 403 |
|---|---|
| Date | Nov 16, 2021 |
| Instrument | 2021-6403 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 21, 2018 |
| Property Address | 3 REYNOLDS AVE, ONEONTA, NY 13820-1811 |
| Document Number | 0000003858 |
| Instrument Date | Jun 28, 2018 |
| Instrument | 3858 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8187 NW 125TH LN PARKLAND FL 330764937, PARKLAND, FL 33076-4937 |
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 | $4,902.00 (+2.57%) | ||
| 2025 | $4,779.00 | $125,000 (-) Land $14,100 Building $110,900 | $176,056 (+14.08%) Land $19,859 Building $156,197 |
| 2023 | $125,000 Land $14,100 Building $110,900 | $154,321 Land $17,407 Building $136,914 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1996) |
| Most Recent Claim | Jan 1996 · Severe Storms And Flooding |
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.
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 393 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 |
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