Otsego County and Oneonta City property record for 38 East St, #40, Oneonta, NY 13820
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 3,012 sqft · built 1982 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Company Name on Record |
| Last Sale | $200,000 (Jun 2026) |
| Tax Bill | $5,626 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Sep 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.14-3-47 |
| Primary APN | 361200 288.14-3-47 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,012 sqft Gross Area |
| Basement Area | 1,470 sqft |
| Unfinished Basement | 1,470 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 360 sqft |
| Heating Fuel | Oil |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 1038 |
|---|---|
| Street Address | 38 EAST ST, 40 |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1626 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | 140 |
| Legal Description | 0304560 0898030 |
| Legal Block | 3 |
| Legal Lot Number | 47.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 591000 |
Source: Otsego County and Oneonta City records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 4295 STATE HIGHWAY 51, GARRATTSVILLE, NY 13342-1712 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Jun 1, 2026 | Executor's Deed, Transfer · Stand-Alone First Mortgage WAYNE BANK |
| Sep 4, 2018 | Grant Deed, Transfer |
| Sep 4, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2026 · Amount on Record |
| Deed Sale | Jun 1, 2026 · Amount on Record |
| Deed Document Number | 20262502 |
| Prior Transfer Date | Feb 22, 2005 |
| Prior Transfer Doc | 0010760096 |
| Record Updated | Oct 29, 2026 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jun 1, 2026 |
| Property Address | 38 EAST ST, 40, ONEONTA, NY 13820-1626 |
| Document Number | 0000000502 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 20262502 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4295 STATE HIGHWAY 51, GARRATTSVILLE, NY 13342-1712 |
| Document Number | 0000002504, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 20262504 |
| Name | WAYNE BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Sep 4, 2018 |
| Property Address | 38-40 EAST ST, ONEONTA, NY 13820 |
| Document Number | 0000004107 |
| Instrument Date | Jun 27, 2018 |
| Instrument | 4107 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 MARKET ST ONEONTA NY 138202655, ONEONTA, NY 13820-2655 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Sep 4, 2018 |
| Property Address | 38-40 EAST ST, ONEONTA, NY 13820 |
| Document Number | 0000004104 |
| Instrument Date | Jun 26, 2018 |
| Instrument | 4104 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 W END AVE ONEONTA NY 138201127, ONEONTA, NY 13820-1127 |
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 | $5,626.00 (-42.3%) | ||
| 2025 | $9,751.00 | $140,000 (-) Land $14,000 Building $126,000 | $197,183 (+14.08%) Land $19,718 Building $177,465 |
| 2023 | $140,000 Land $14,000 Building $126,000 | $172,840 Land $17,284 Building $155,556 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 1 (1979) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1979 · tidal / storm surge |
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: 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 |
| Adjoins Burnable Land | Yes |
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 661 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 |
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