Otsego County and Oneonta City property record for 38 Cherry St, Oneonta, NY 13820 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,152 sqft · built 1900 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $65,000 (Oct 2003) |
| Tax Bill | $4,083 (2025) |
| Deeds & Mortgages | Jan 2020 Sale & Mortgage Jun 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.17-1-63 |
| Primary APN | 361200 288.17-1-63 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 576 sqft |
| 2nd Floor Area | 576 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 80 ft deep x 55 ft wide |
| Garage Type | Detached |
| Garage Area | 160 sqft |
| Porch | Slab |
| Porch Area | 213 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 0431 |
|---|---|
| Street Address | 38 CHERRY ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1756 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 63.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 591000 |
Source: Otsego County and Oneonta City records · APN 361200 288.17-1-63
Assessment roll updated April 30, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 CHERRY ST, ONEONTA, NY 13820-1756 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 30, 2020 | Warranty Deed, Transfer · Conventional with PMI COMMUNITY BK NA |
| Jun 21, 2019 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 08, 2003 · Amount on Record |
| Deed Sale | Oct 08, 2003 · Amount on Record |
| Prior Sale | Oct 16, 2001 · Amount on Record |
| Deed Book / Page | 1021 / 69 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jan 30, 2020 |
| Property Address | 38 CHERRY ST, ONEONTA, NY 13820-1756 |
| Document Number | 0000000493 |
| Instrument Date | Dec 27, 2019 |
| Instrument | 493 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $450.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6229 STATE HIGHWAY 7 ONEONTA NY 138203646, ONEONTA, NY 13820-3646 |
| Document Number | 494 |
|---|---|
| Date | Jan 30, 2020 |
| Instrument | 494 |
| Name | COMMUNITY BK NA |
|---|---|
| Address | OLEAN, NY 14760 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 29, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 38 CHERRY ST, ONEONTA, NY 13820-1756 |
| Document Number | 0000002882 |
| Instrument Date | Jun 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 38 CHERRY ST ONEONTA NY ONEONTA NY 13820, ONEONTA, NY 13820 |
| Document Number | 0000002882 |
|---|---|
| Date | Jul 02, 2019 |
| Instrument | 2882 |
| Name | MANUFACTURERS & TRADERS TR |
|---|---|
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,083.00 | $109,200 (+4%) Land $16,200 Building $93,000 | $153,803 (+18.65%) Land $22,817 Building $130,986 |
| 2023 | $105,000 Land $12,000 Building $93,000 | $129,630 Land $14,815 Building $114,815 |
Source: FEMA National Flood Hazard Layer, Otsego County (36077C), updated March 20, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360775910002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 3 (2006–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2011, rainfall accumulation, Remnants Of Tropical Storm Lee |
| Claims By Storm |
|
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 393 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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