31 Cedar St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 31 Cedar St, Oneonta, NY 13820

Property Summary

Property Type	Duplex
Details	8 bd · 2 ba · 3,482 sqft · built 1900
Lot Size	0.19 acres (8,276 sqft)
Owner	Company Name on File
Last Sale	$235,000 (Jan 2026)
Tax Bill	$8,266 (2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 288.14-1-26`

Property Details

APN / Parcel Number

Primary APN	`361200 288.14-1-26`
Alternative APNs	`120028801400010260000000` `3911 0273`

Interior

Bedrooms	8 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,482 sqft Total Area
1st Floor Area	1,741 sqft
2nd Floor Area	1,741 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	153 ft deep x 56 ft wide
Garage Type	Detached
Porch	Slab
Porch Area	357 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 0273
Street Address	31 CEDAR ST
City	ONEONTA
State	NY
Zip	13820-1530
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	140
Legal Block	1
Legal Lot Number	26.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1017
Census Tract	591000

Owner

31 Cedar St, a duplex, is owned by a company that bought it in January 2026.

Source: Otsego County and Oneonta City records, as of September 29, 2026

Owner of Record	Company Name on File
Mailing Address	650 E PARK AVE, LONG BEACH, NY 11561-2505
Owner Type	Company
Vesting	Limited Liability Company

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	Name on Deed
Last Sale	Jan 13, 2026 · Amount on File
Deed Sale	Jan 13, 2026 · Amount on File
Prior Sale	May 3, 2024 · Amount on File
Deed Document Number	2026172
Prior Transfer Date	Feb 1, 2013
Record Updated	Oct 29, 2026

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	OTSEGO NY
Recording Date	Jan 13, 2026
Property Address	31 CEDAR ST, ONEONTA, NY 13820-1530
Document Number	0000000072
Instrument Date	Jan 6, 2026
Instrument	2026-172
Transaction Type	Transfer
Record Updated	Feb 18, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 E PARK AVE, LONG BEACH, NY 11561-2505

Mortgage

Document Number	0000000073
Date	Jan 13, 2026
Instrument	2026-173

Lender

Name	INTERSTATE HOME LOAN CENTER INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Tax Assessment & Valuation

The 2026 property tax bill for 31 Cedar St was $8,266, up 5% 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	$8,266.00 (+5.05%)
2025	$7,869.00 (-44.75%)	$207,000 (-) Land $18,300 Building $188,700	$291,549 (+8.45%) Land $25,775 Building $265,774
2024	$14,242.00	$207,000 (-) Land $18,300 Building $188,700	$268,831 (+5.19%) Land $23,766 Building $245,065
2023		$207,000 Land $18,300 Building $188,700	$255,556 Land $22,593 Building $232,963

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

Flood

FEMA maps place 31 Cedar St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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	2 in force
Nearby Flood Claims	1 (1979)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1979 · tidal / storm surge

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 31 Cedar 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

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 661 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