376 Chestnut St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta Town property record for 376 Chestnut St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,280 sqft · built 1930
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$38,800 (Jul 1996)
Tax Bill	$2,970 (2026)
Deeds & Mortgages	Dec 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`364600 299.07-4-24.00`

Property Details

APN / Parcel Number

Primary APN	`364600 299.07-4-24.00`
Alternative APNs	`460029900700040240000000` `119950`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,280 sqft Living Area
1st Floor Area	848 sqft
Upper Floors Area	432 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Lot Width	50 ft Width
Porch	Slab
Porch Area	274 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	119950
Street Address	376 CHESTNUT ST
City	ONEONTA
State	NY
Zip	13820-2118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	996 0 0
Legal Block	4
Legal Lot Number	24.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2027
Census Tract	590800

Owner

376 Chestnut St is owned and occupied by an individual who bought it in July 1996.

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

Owner of Record	Individual Name on File
Mailing Address	379 CHESTNUT ST, ONEONTA, NY 13820-2152
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 1996 · Amount on File
Deed Sale	Jul 24, 1996 · Amount on File
Deed Book / Page	788 / 200
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	376 CHESTNUT ST, ONEONTA, NY 13820-2118
Transaction Type	Mortgage
Record Updated	Jan 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000656
Date	Dec 7, 2022
Instrument	2022-6656

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 376 Chestnut St was $2,970 with a homeowner's exemption, up 19.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,970.00 (+19.9%) Homeowner's exemption
2025	$2,477.00	$92,400 Land $21,900 Building $70,500	$132,000 Land $31,286 Building $100,714
2023	$1,050.00 Homeowner's exemption	$92,400 (-) Land $21,900 Building $70,500	$118,462 (+12.82%) Land $28,077 Building $90,385
2022		$92,400 Land $21,900 Building $70,500	$105,000 Land $24,886 Building $80,114

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

Flood

FEMA maps place 376 Chestnut St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2006.

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
Nearby Flood Claims	5 (2006–2013)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jul 2013 · river or lake flooding
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 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 376 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