320 Oneill Rd, Cherry Valley, NY 13320 Property Records

Otsego County and Cherry Valley Town property record for 320 Oneill Rd, Cherry Valley, NY 13320

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,496 sqft · built 2000
Lot Size	64.1 acres (2,796,116 sqft)
Owner	Individual Name on Record
Tax Bill	$11,774 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`362489 73.00-1-42.06`

Property Details

APN / Parcel Number

Primary APN	`362489 73.00-1-42.06`
Alternative APNs	`248907300000010420060000` `181298`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,496 sqft Living Area
1st Floor Area	1,508 sqft
2nd Floor Area	988 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Rustic
Exterior Material	Wood
Lot Area	2,796,116 sqft (64.1 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	1,186 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	181298
Street Address	320 ONEILL RD
City	CHERRY VALLEY
State	NY
Zip	13320-2600
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	999FM 4057 0 6
Legal Block	1
Legal Lot Number	42.006
Jurisdiction	OTSEGO NY
Township / Civil Division	CHERRY VALLEY
Census Block Group	3
Census Block	3056
Census Tract	590101

Owner

Source: Otsego County and Cherry Valley Town 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	Individual Name on Record
Mailing Address	320 ONEILL RD, CHERRY VALLEY, NY 13320-2600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2020	Deed of Trust, Mortgage · Conventional with PMI WELLS FARGO BK
Oct 6, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	320 ONEILL RD, CHERRY VALLEY, NY 13320-2600
Document Number	0000004323
Instrument Date	Oct 2, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	COOPER COUNTRY ABSTRACT, COOPER CNTRY ABS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4341 LAGO VIENTO AUSTIN TX 787341906, AUSTIN, TX 78734-1906

Mortgage

Document Number	0000004323
Date	Oct 6, 2020
Instrument	4323

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	120 Months
Due	Oct 5, 2030

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Oct 6, 2020
Property Address	320 ONEILL RD, CHERRY VALLEY, NY 13320-2600
Document Number	0000004322
Instrument Date	Sep 28, 2020
Instrument	4322
Transaction Type	Transfer
Record Updated	Nov 4, 2020
Title Company	COOPER COUNTRY ABSTRACT, COOPER CNTRY ABS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,900.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4341 LAGO VIENTO AUSTIN TX 787341906, AUSTIN, TX 78734-1906

Mortgage

Document Number	4323
Date	Oct 6, 2020
Instrument	4323

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 5, 2030

Tax Assessment & Valuation

Source: Otsego County and Cherry Valley Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Cherry Valley Town
Unified School District	Cherry Valley-Springfield Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,774.00 (-7.2%)
2025	$12,687.00	$435,100 (-) Land $123,300 Building $311,800	$621,571 (+18.34%) Land $176,143 Building $445,428
2023		$435,100 Land $123,300 Building $311,800	$525,229 Land $148,841 Building $376,388

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

Flood

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
Nearby Flood Policies	6 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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