Otsego County and Oneonta City property record for 32 Cliff St, Oneonta, NY 13820
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,812 sqft · built 1900 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $222,000 (Jul 2022) |
| Tax Bill | $6,951 (2026) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Oct 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 300.5-4-61 |
| Primary APN | 361200 300.5-4-61 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,812 sqft Total Area |
| 1st Floor Area | 1,020 sqft |
| 2nd Floor Area | 792 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 142 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 52 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 0717 |
|---|---|
| Street Address | 32 CLIFF ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2413 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 140 |
| Legal Block | 4 |
| Legal Lot Number | 61.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 591100 |
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 | 3144 LINCOLN AVE, OCEANSIDE, NY 11572-3949 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 29, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Oct 5, 2021 | Deed, Transfer |
| Dec 1, 2017 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2022 · Amount on Record |
| Deed Sale | Jul 29, 2022 · Amount on Record |
| Prior Sale | Oct 5, 2021 · Amount on Record |
| Deed Document Number | 20224181 |
| Prior Transfer Date | Jul 21, 2011 |
| Prior Transfer Doc | 2011003883 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jul 29, 2022 |
| Property Address | 32 CLIFF ST, ONEONTA, NY 13820-2413 |
| Document Number | 0000000181 |
| Instrument Date | Mar 15, 2022 |
| Instrument | 2022-4181 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount Recorded |
|---|---|
| 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 | 3144 LINCOLN AVE, OCEANSIDE, NY 11572-3949 |
| Document Number | 0000000182 |
|---|---|
| Date | Jul 29, 2022 |
| Instrument | 2022-4182 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 5, 2021 |
| Property Address | 32 CLIFF ST, ONEONTA, NY 13820-2413 |
| Document Number | 484 |
| Instrument Date | Sep 14, 2021 |
| Instrument | 2021-5484 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7635 STATE HIGHWAY 357, FRANKLIN, NY 13775-3023 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Dec 1, 2017 |
| Property Address | 32 CLIFF ST, ONEONTA, NY 13820-2413 |
| Document Number | 0000005905 |
| Instrument Date | Nov 27, 2017 |
| Instrument | 5905 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4295 STATE HIGHWAY 51 GARRATTSVILLE NY 133421712, GARRATTSVILLE, NY 13342-1712 |
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 | $6,951.00 (-20.29%) | ||
| 2025 | $8,720.00 | $178,100 (-) Land $18,300 Building $159,800 | $250,845 (+14.08%) Land $25,775 Building $225,070 |
| 2023 | $178,100 (+33.91%) Land $18,300 Building $159,800 | $219,877 (+52.1%) Land $22,593 Building $197,284 | |
| 2022 | $133,000 Land $18,300 Building $114,700 | $144,565 Land $19,891 Building $124,674 |
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 |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 20 (1986–2014) |
| Claims Outside the SFHA | 4 of 20 |
| Most Recent Claim | Feb 2014 |
| 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 | 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures