Otsego County and Oneonta City property record for 3 Suncrest Ter, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,463 sqft · built 1966 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | Individual Name on File |
| Last Sale | $390,000 (Oct 2025) |
| Tax Bill | $9,492 (2026) |
| Deeds & Mortgages | Oct 2025 Sale Jul 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.13-1-16 |
| Primary APN | 361200 288.13-1-16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,463 sqft Living Area |
| 1st Floor Area | 1,812 sqft |
| Basement Area | 651 sqft |
| Finished Basement | 651 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 27,443 sqft (0.63 acres) |
| Lot Dimensions | 191 ft deep x 162 ft wide |
| Garage Type | Basement |
| Pool Type | In-Ground Vinyl Pool |
| Porch | Patio |
| Porch Area | 450 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3134 |
|---|---|
| Street Address | 3 SUNCREST TER |
| City | ONEONTA |
| State | NY |
| Zip | 13820-4633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 110 |
| Legal Block | 1 |
| Legal Lot Number | 16.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 591700 |
3 Suncrest Ter is owned by an individual who bought it in October 2025.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 283 MAIN ST, 4, ONEONTA, NY 13820-2557 |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 23, 2025 | Deed, Transfer |
| Jul 28, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK |
| Jun 18, 2021 | Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA |
| Jul 31, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 23, 2025 · Amount on File |
| Deed Sale | Oct 23, 2025 · Amount on File |
| Prior Sale | Jul 28, 2022 · Amount on File |
| Deed Document Number | 20254227 |
| Prior Transfer Date | Jul 31, 2017 |
| Prior Transfer Doc | 2017003558 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 23, 2025 |
| Property Address | 3 SUNCREST TER, ONEONTA, NY 13820-4633 |
| Document Number | 0000000227 |
| Instrument Date | Sep 16, 2025 |
| Instrument | 2025-4227 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 283 MAIN ST APT 4, 4, ONEONTA, NY 13820-2557 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jul 28, 2022 |
| Property Address | 3 SUNCREST TER, ONEONTA, NY 13820-4633 |
| Document Number | 0000000145 |
| Instrument Date | Jul 21, 2022 |
| Instrument | 2022-4145 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount on Record |
|---|---|
| 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 | Tenants by the Entirety |
| Address | 61 FORD AVE, ONEONTA, NY 13820-1512 |
| Document Number | 0000000146 |
|---|---|
| Date | Jul 28, 2022 |
| Instrument | 2022-4146 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jun 18, 2021 |
| Property Address | 3 SUNCREST TER, ONEONTA, NY 13820-4633 |
| Document Number | 384 |
| Instrument Date | Jun 14, 2021 |
| Instrument | 2021-3384 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2021 |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Address | 575 SCARSDALE RD, YONKERS, NY 10707-1659 |
| Document Number | 385 |
|---|---|
| Date | Jun 18, 2021 |
| Instrument | 2021-3385 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jul 31, 2017 |
| Property Address | 3 SUNCREST TER, ONEONTA, NY 13820-4633 |
| Document Number | 0000003558 |
| Instrument Date | Jul 31, 2017 |
| Instrument | 3558 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 SUNCREST TER ONEONTA NY 138204633, ONEONTA, NY 13820-4633 |
The 2026 property tax bill for 3 Suncrest Ter was $9,492, up 2.4% 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 | $9,492.00 (+2.44%) | ||
| 2025 | $9,266.00 (+5.27%) | $245,000 (-) Land $32,600 Building $212,400 | $345,070 (+8.45%) Land $45,915 Building $299,155 |
| 2024 | $8,802.00 | $245,000 (-) Land $32,600 Building $212,400 | $318,182 (+5.19%) Land $42,338 Building $275,844 |
| 2023 | $245,000 Land $32,600 Building $212,400 | $302,469 Land $40,247 Building $262,222 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Suncrest Ter 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 Suncrest Ter 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 | Direct burnable vegetation |
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 103 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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