Otsego County and Oneonta City property record for 349 Chestnut St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,465 sqft · built 1930 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (May 2003) |
| Tax Bill | $4,708 (2026) |
| Deeds & Mortgages | Mar 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 299.7-7-21 |
| Primary APN | 361200 299.7-7-21 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,465 sqft Living Area |
| 1st Floor Area | 1,174 sqft |
| Attic | Attic |
| Attic Area | 291 sqft |
| Game Room | Game Room |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 125 ft deep x 46 ft wide |
| Garage Type | Detached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 176 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 0536 |
|---|---|
| Street Address | 349 CHESTNUT ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 7 |
| Legal Lot Number | 21.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 591100 |
349 Chestnut St is owned and occupied by an individual who acquired it in April 2009.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 349 CHESTNUT ST, ONEONTA, NY 13820-1243 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 13, 2003 · Amount on File |
| Deed Sale | May 13, 2003 · Amount on File |
| Prior Sale | Sep 2, 1997 · Amount on File |
| Deed Book / Page | 1004 / 170 |
| Last Transfer Date | Apr 17, 2009 |
| Transfer Doc | 0011250781 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 349 CHESTNUT ST, ONEONTA, NY 13820-1243 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000320 |
|---|---|
| Date | Mar 11, 2022 |
| Instrument | 2022-1320 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
The 2026 property tax bill for 349 Chestnut St was $4,708 with a homeowner's exemption, up 15.2% from the year before.
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 | $4,708.00 (+15.17%) Homeowner's exemption | ||
| 2025 | $4,088.00 | $121,000 Land $14,800 Building $106,200 | $170,423 Land $20,845 Building $149,578 |
| 2023 | $121,000 Land $14,800 Building $106,200 | $149,383 Land $18,272 Building $131,111 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 349 Chestnut St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1978.
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.
Wildfire risk around 349 Chestnut St is low, with a 0.01% annual chance of 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.
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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