Otsego County and Oneonta City property record for 38 Ford Ave, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,064 sqft · built 1900 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,000 (Dec 2021) |
| Tax Bill | $6,406 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.18-4-11 |
| Primary APN | 361200 288.18-4-11 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,064 sqft Living Area |
| 1st Floor Area | 1,216 sqft |
| 2nd Floor Area | 848 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 107 ft deep x 66 ft wide |
| Garage Type | Mixed |
| Garage Area | 336 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 416 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 1367 |
|---|---|
| Street Address | 38 FORD AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1836 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 140 |
| Legal Block | 4 |
| Legal Lot Number | 11.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 591000 |
38 Ford Ave is owned and occupied by two individuals who bought it in December 2021.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 FORD AVE, ONEONTA, NY 13820-1836 |
| 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.
| Date | Document |
|---|---|
| Jun 30, 2026 | Deed of Trust, Mortgage |
| Dec 9, 2021 | Deed, Transfer · Stand-Alone First Mortgage JENNIFER HOBBS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2021 · Amount on File |
| Deed Sale | Dec 9, 2021 · Amount on File |
| Deed Document Number | 20216870 |
| Prior Transfer Date | Nov 2, 2006 |
| Prior Transfer Doc | 0010990823 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jun 30, 2026 |
| Property Address | 38 FORD AVE, ONEONTA, NY 13820-1836 |
| Document Number | 0000002963 |
| Instrument Date | May 27, 2026 |
| Instrument | 20262963 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 38 FORD AVE, ONEONTA, NY 13820-1836 |
| Document Number | 0000002963, |
|---|---|
| Date | Jun 30, 2026 |
| Instrument | 20262963 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Dec 9, 2021 |
| Property Address | 38 FORD AVE, ONEONTA, NY 13820-1836 |
| Document Number | 0000000870 |
| Instrument Date | Nov 18, 2021 |
| Instrument | 2021-6870 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3943 STATE ROUTE 67, EAGLE BRIDGE, NY 12057-2230 |
| Document Number | 0000000871 |
|---|---|
| Date | Dec 9, 2021 |
| Instrument | 2021-6871 |
| Name | JENNIFER HOBBS |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 38 Ford Ave was $6,406, down 39.7% from the year before.
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 | $6,406.00 (-39.73%) | ||
| 2025 | $10,628.00 | $165,000 Land $16,200 Building $148,800 | $232,394 Land $22,817 Building $209,577 |
| 2023 | $165,000 Land $16,200 Building $148,800 | $203,704 Land $20,000 Building $183,704 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Ford Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 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 risk around 38 Ford Ave 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.
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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