308 Chestnut St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 308 Chestnut St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,294 sqft · built 1900
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,107 (2026)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 299.8-1-63`

Property Details

APN / Parcel Number

Primary APN	`361200 299.8-1-63`
Alternative APNs	`120029900800010630000000` `3911 0627`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,294 sqft Living Area
1st Floor Area	687 sqft
2nd Floor Area	607 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	128 ft deep x 59 ft wide
Porch	Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 0627
Street Address	308 CHESTNUT ST
City	ONEONTA
State	NY
Zip	13820-1251
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	1
Legal Lot Number	63.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2000
Census Tract	591700

Owner

308 Chestnut St, a single family home, is owned by two individuals.

Source: Otsego County and Oneonta City records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3914 STATE HIGHWAY 23, WEST ONEONTA, NY 13861
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Apr 14, 2020
Property Address	308 CHESTNUT ST, ONEONTA, NY 13820-1251
Document Number	0000001542
Instrument Date	Apr 2, 2020
Instrument	1542
Transaction Type	Transfer
Record Updated	May 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$464.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3915 STATE HIGHWAY 23 WEST ONEONTA NY 13861, WEST ONEONTA, NY 13861

Mortgage

Document Number	1543
Date	Apr 14, 2020
Instrument	1543

Lender

Name	ANTONIO AVANZATO
Address	528 GIFFORD HILL RD, ONEONTA, NY 13820-4186
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Apr 13, 2023

Interest

Rate	5%

Tax Assessment & Valuation

The 2026 property tax bill for 308 Chestnut St was $3,107, down 8.1% from the year before.

Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
Municipality	Oneonta City
Unified School District	Oneonta City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,107.00 (-8.08%)
2025	$3,380.00	$79,500 Land $14,800 Building $64,700	$111,972 Land $20,845 Building $91,127
2023		$79,500 Land $14,800 Building $64,700	$98,148 Land $18,272 Building $79,876

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 308 Chestnut St 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

Wildfire risk around 308 Chestnut St 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
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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