Otsego County and Oneonta City property record for 32 Cherry St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,630 sqft · built 1900 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,248 (2026) |
| Deeds & Mortgages | Nov 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.17-1-66 |
| Primary APN | 361200 288.17-1-66 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,630 sqft Living Area |
| 1st Floor Area | 730 sqft |
| 2nd Floor Area | 720 sqft |
| Attic | Attic |
| Attic Area | 180 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 120 ft deep x 105 ft wide |
| Porch | Slab |
| Porch Area | 250 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 0428 |
|---|---|
| Street Address | 32 CHERRY ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1756 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 130 |
| Legal Block | 1 |
| Legal Lot Number | 66.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 591000 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 32 CHERRY ST, ONEONTA, NY 13820-1756 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 12, 2012 |
| Transfer Doc | 0020124893 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 32 CHERRY ST, ONEONTA, NY 13820-1756 |
| Document Number | 0000005786 |
| Instrument Date | Nov 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 32 CHERRY ST ONEONTA NY 138201756, ONEONTA, NY 13820-1756 |
| Document Number | 0000005786 |
|---|---|
| Date | Dec 18, 2020 |
| Instrument | 5786 |
| Name | SIDNEY FCU |
|---|---|
| Type | Credit Union |
| Address | SIDNEY, NY 13838 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 17, 2040 |
| Rate Type | Adjustable Rate |
|---|
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 | $5,248.00 (+31.76%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $3,983.00 | $135,000 (-) Land $19,700 Building $115,300 | $190,141 (+14.08%) Land $27,747 Building $162,394 |
| 2023 | $135,000 Land $19,700 Building $115,300 | $166,667 Land $24,321 Building $142,346 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 3 (2006–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| Claims by Event |
|
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 | 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 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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