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31 Central Ave, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 31 Central Ave, Oneonta, NY 13820 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 1982
Square Footage1,866 sqft Living Area
Lot Size6,534 sqft (0.15 acres)
OccupancyOwner Occupied
Last Sale$180,200 (2016)
Tax Bill$5,875.00 (2025)

Property Details

APN / Parcel Number

Primary APN361200 288.17-2-42
Alternative APNs
  • 120028801700020420000000
  • 3911 0378

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area1,866 sqft Living Area
1st Floor1,180 sqft 1st Floor
Basement Area686 sqft Basement
Finished Basement686 sqft Finished
Stories1 Stories

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 1982
Architectural StyleRaised Ranch Style
Exterior MaterialAluminum/Vinyl Exterior
Lot Area6,534 sqft (0.15 acres)
Depth X Width99 ft x 66 ft Depth x Width
Garage TypeBasement Garage
Porch Area380 sqft Porch

Utilities and HVAC

Heating SystemHot Water Heating
Heating FuelGas Heating Fuel
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Account Number3911 0378
Street Address31 CENTRAL AVE
CityONEONTA
StateNY
Zip13820-1450
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Block2
Legal Lot Number42.000
JurisdictionOTSEGO NY
Minor Civil DivisionONEONTA
Census Blockgroup2
Census Block2002
Census Tract591000

Owner

Source: Otsego County and Oneonta City records · APN 361200 288.17-2-42

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 Record2 Individual Names on File
Mailing Address31 CENTRAL AVE, ONEONTA, NY 13820-1450
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 19, 2025Deed of Trust, Mortgage · Line of Credit
SIDNEY FCU
Dec 02, 2020Quit Claim Deed, Transfer
M&T BK
Nov 23, 2020Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI)
M&T BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 02, 2016 · Amount on Record
Deed SaleSep 02, 2016 · Amount on Record
Deed Book / Page2016 / 4214
Last Transfer DateNov 23, 2020
Transfer Doc0000005404
Record RefreshedJun 08, 2026

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOTSEGO NY
Property Address31 CENTRAL AVE, ONEONTA, NY 13820-1450
Transaction TypeMortgage
Record UpdatedDec 24, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000673
DateNov 19, 2025
Instrument2025-4673
Lender
NameSIDNEY FCU
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueDec 01, 2055
Interest
Rate TypeAdjustable Rate

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOTSEGO NY
Recording DateDec 02, 2020
Property Address31 CENTRAL AVE, ONEONTA, NY 13820-1450
Document Number0000005404
Instrument DateNov 23, 2020
Instrument5404
Transaction TypeTransfer
Record UpdatedDec 24, 2020
Title CompanyCOOPER COUNTRY ABSTRACT, COOPER CNTRY ABS

Transaction

Tax$0.00
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenant By Entirety
Address31 CENTRAL AVE ONEONTA NY 138201450, ONEONTA, NY 13820-1450

Mortgage

Document Number5405
DateDec 02, 2020
Instrument5405
Lender
NameM&T BK
TypeBank
AddressBUFFALO, NY 14203
Agreement
AmountAmount Recorded
Term180 Months
DueDec 01, 2035

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOTSEGO NY
Property Address31 CENTRAL AVE, ONEONTA, NY 13820-1450
Document Number0000005405
Instrument DateNov 23, 2020
Transaction TypeMortgage
Record UpdatedDec 18, 2020
Title CompanyCOOPER COUNTRY ABSTRACT, COOPER CNTRY ABS

Transferred To (Grantee/Buyer)

NameVerified Name
Address31 CENTRAL AVE ONEONTA NY 138201450, ONEONTA, NY 13820-1450

Mortgage

Document Number0000005405
DateDec 02, 2020
Instrument5405
Lender
NameM&T BK
TypeBank
AddressBUFFALO, NY 14203
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term180 Months
DueDec 01, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountyOtsego County
MunicipalityOneonta City
Unified School DistrictOneonta 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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,875.00$155,000 (-) Land $15,500 Building $139,500$218,310 (+14.08%) Land $21,831 Building $196,479
2023$155,000 Land $15,500 Building $139,500$191,358 Land $19,136 Building $172,222

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Otsego County (36077C), updated March 20, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 20% of the US · above 55% of New York
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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