Otsego County and Oneonta City property record for 345 Chestnut St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,344 sqft · built 1929 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $70,000 (Nov 2018) |
| Tax Bill | $4,129 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance Jul 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 299.7-7-23 |
| Primary APN | 361200 299.7-7-23 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 672 sqft |
| 2nd Floor Area | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 128 ft deep x 48 ft wide |
| Garage Type | Detached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 272 sqft |
| Shed | 1 Shed |
| Shed Area | 24 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 0534 |
|---|---|
| Street Address | 345 CHESTNUT ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 7 |
| Legal Lot Number | 23.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1032 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 345 CHESTNUT ST, ONEONTA, NY 13820-1211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW YORK AFFORDABLE HOUSING CORP |
| Jul 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HOUSING TR FUND |
| Nov 19, 2018 | Grant Deed, Transfer |
| Oct 18, 2018 | Grant Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 19, 2018 · Amount on Record |
| Deed Sale | Nov 19, 2018 · Amount on Record |
| Deed Document Number | 20185602 |
| Prior Transfer Date | Nov 13, 2018 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 345 CHESTNUT ST, ONEONTA, NY 13820-1211 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 68 |
|---|---|
| Date | Feb 26, 2021 |
| Book Page | 2021/1068 |
| Instrument | 2021-1068 |
| Name | NEW YORK AFFORDABLE HOUSING CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 345 CHESTNUT ST, ONEONTA, NY 13820-1211 |
| Document Number | 0000000804 |
| Instrument Date | Jul 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 345 CHESTNUT ST ONEONTA NY 138201211, ONEONTA, NY 13820-1211 |
| Document Number | 0000000804 |
|---|---|
| Date | Feb 19, 2020 |
| Instrument | 804 |
| Name | HOUSING TR FUND |
|---|---|
| Type | Funding / Finance Company |
| Address | ALBANY, NY 12207 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Nov 19, 2018 |
| Property Address | 345 CHESTNUT ST, ONEONTA, NY 13820-1211 |
| Document Number | 0000005602 |
| Instrument Date | Nov 13, 2018 |
| Instrument | 5602 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 345 CHESTNUT ST ONEONTA NY 138201211, ONEONTA, NY 13820-1211 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 18, 2018 |
| Property Address | 345 CHESTNUT ST, ONEONTA, NY 13820-1211 |
| Document Number | 0000004997 |
| Instrument Date | Oct 11, 2018 |
| Instrument | 4997 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2018 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 TILLEY AVE ONEONTA NY 138201226, ONEONTA, NY 13820-1226 |
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 | $4,129.00 (+2.48%) | ||
| 2025 | $4,029.00 | $106,000 (-) Land $14,800 Building $91,200 | $149,296 (+14.08%) Land $20,845 Building $128,451 |
| 2023 | $106,000 Land $14,800 Building $91,200 | $130,864 Land $18,272 Building $112,592 |
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 | 5 in force |
| Nearby Flood Claims | 11 (1978–2011) |
| Claims Outside the SFHA | 2 of 11 |
| 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 | 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 376 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 |
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