381 Chestnut St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta Town property record for 381 Chestnut St, Oneonta, NY 13820

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	1,565 sqft · built 1970
Lot Size	0.22 acres (9,583 sqft)
Owner	Company Name on File
Last Sale	$85,000 (Jan 2008)
Tax Bill	$4,186 (2026)
Flood Zone	Zone X (minimal risk)
APN	`364600 299.07-4-32.00`

Property Details

APN / Parcel Number

Primary APN	`364600 299.07-4-32.00`
Alternative APNs	`460029900700040320000000` `015050`

Interior

Stories	2 Stories
Building Area	1,565 sqft Gross Area
Basement Area	937 sqft
Unfinished Basement	937 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	9,583 sqft (0.22 acres)
Lot Width	50 ft Width
Garage Type	Detached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	015050
Street Address	381 CHESTNUT ST
City	ONEONTA
State	NY
Zip	13820-2151
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	983 0 0
Legal Block	4
Legal Lot Number	32.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	3
Census Block	3027
Census Tract	590800

Owner

381 Chestnut St, a commercial property, is owned by a company that bought it in January 2008.

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

Owner of Record	Company Name on File
Mailing Address	387 CHESTNUT ST, ONEONTA, NY 13820-2181
Owner Type	Company
Vesting	Company

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	Jan 31, 2008 · Amount on File
Deed Sale	Jan 31, 2008 · Amount on File
Prior Sale	Jan 31, 2008 · Amount on File
Deed Book / Page	1111 / 917
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 381 Chestnut St was $4,186, up 0.3% 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	$4,186.00 (+0.26%)
2025	$4,175.00	$132,000 Land $46,900 Building $85,100	$188,571 Land $67,000 Building $121,571
2023	$1,182.00	$132,000 (-) Land $46,900 Building $85,100	$169,231 (+12.82%) Land $60,128 Building $109,103
2022		$132,000 Land $46,900 Building $85,100	$150,000 Land $53,295 Building $96,705

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

Flood

FEMA maps place 381 Chestnut St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1993.

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	5 in force
Nearby Flood Claims	13 (1993–2011)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 5 claims Severe Storms And Flooding, Jun 2006 · 6 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 381 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	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.

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