356 Chestnut St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 356 Chestnut St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,535 sqft · built 1930
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Oct 1998)
Tax Bill	$4,862 (2026)
Deeds & Mortgages	Aug 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`361200 299.7-5-39`

Property Details

APN / Parcel Number

Primary APN	`361200 299.7-5-39`
Alternative APNs	`120029900700050390000000` `3911 0641`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,535 sqft Living Area
1st Floor Area	722 sqft
2nd Floor Area	650 sqft
Attic	Attic
Attic Area	163 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	852 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	301 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 0641
Street Address	356 CHESTNUT ST
City	ONEONTA
State	NY
Zip	13820-1264
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Description	0296190 0894900
Legal Block	5
Legal Lot Number	39.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2008
Census Tract	591700

Owner

356 Chestnut St is owned and occupied by two individuals who acquired it in August 2026.

Source: Otsego County and Oneonta City records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	356 CHESTNUT ST, ONEONTA, NY 13820-1264
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 1998 · Amount on File
Deed Sale	Oct 30, 1998 · Amount on File
Deed Document Number	1998
Deed Book / Page	847 / 168
Last Transfer Date	Aug 5, 2026
Transfer Doc	0000003563
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO NY
Recording Date	Aug 7, 2026
Property Address	356 CHESTNUT ST, ONEONTA, NY 13820-1264
Document Number	0000003563
Instrument Date	Aug 5, 2026
Instrument	20263563
Transaction Type	Transfer
Record Updated	Sep 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	356 CHESTNUT ST, ONEONTA, NY 13820-1264

Tax Assessment & Valuation

The 2026 property tax bill for 356 Chestnut St was $4,862 with exemptions applied, up 34.8% from the year before.

Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
Municipality	Oneonta City
Unified School District	Oneonta City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,862.00 (+34.83%) Homeowner's exemption Senior Citizen's exemption
2025	$3,606.00	$125,000 Land $16,900 Building $108,100	$176,056 Land $23,803 Building $152,253
2023		$125,000 Land $16,900 Building $108,100	$154,321 Land $20,864 Building $133,457

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

Flood

FEMA maps place 356 Chestnut St in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 356 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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