37 River St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 37 River St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,966 sqft · built 1900
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$137,000 (Jul 2019)
Tax Bill	$5,325 (2026)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`361200 300.9-3-42`

Property Details

APN / Parcel Number

Primary APN	`361200 300.9-3-42`
Alternative APNs	`120030000900030420000000` `3911 2727`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,966 sqft Living Area
1st Floor Area	1,093 sqft
2nd Floor Area	873 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	182 ft deep x 55.3 ft wide
Garage Type	Detached
Garage Area	144 sqft
Porch	Slab
Porch Area	556 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 2727
Street Address	37 RIVER ST
City	ONEONTA
State	NY
Zip	13820-2315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	3
Legal Lot Number	42.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1008
Census Tract	591100

Owner

37 River St is owned by an individual who bought it in July 2019.

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

Owner of Record	Individual Name on File
Mailing Address	5 HERKIMER ST, ONEONTA, NY 13820-5600
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2019 · Amount on File
Deed Sale	Jul 2, 2019 · Amount on File
Prior Sale	Dec 15, 1998 · Amount on File
Deed Document Number	20192892
Record Updated	Oct 29, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Jul 2, 2019
Property Address	37 RIVER ST, ONEONTA, NY 13820-2315
Document Number	0000002892
Instrument Date	May 30, 2019
Instrument	2892
Transaction Type	Transfer
Record Updated	Jul 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$548.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MAPLE ST ONEONTA NY 138201921, ONEONTA, NY 13820-1921

Mortgage

Document Number	2893
Date	Jul 2, 2019
Instrument	2893

Lender

Name	M&T BK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 37 River St was $5,325, down 9.5% 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	$5,325.00 (-9.45%)
2025	$5,881.00	$137,000 Land $17,700 Building $119,300	$192,958 Land $24,930 Building $168,028
2023		$137,000 Land $17,700 Building $119,300	$169,136 Land $21,852 Building $147,284

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

Flood

FEMA maps place 37 River St in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	Severe Storms And Flooding, Jun 2006 · 3 claims

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 37 River 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	Indirect within ember reach

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 257 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