39 Ford Ave, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 39 Ford Ave, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,998 sqft · built 1880
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Jun 2019)
Tax Bill	$7,987 (2026)
Deeds & Mortgages	Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 288.17-5-71`

Property Details

APN / Parcel Number

Primary APN	`361200 288.17-5-71`
Alternative APNs	`120028801700050710000000` `3911 1331`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,998 sqft Living Area
1st Floor Area	1,026 sqft
2nd Floor Area	972 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1990
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	131 ft deep x 41.1 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	303 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 1331
Street Address	39 FORD AVE
City	ONEONTA
State	NY
Zip	13820-1835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	140
Legal Block	5
Legal Lot Number	71.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2012
Census Tract	591000

Owner

39 Ford Ave is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	39 FORD AVE, ONEONTA, NY 13820-1835
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	2 Names on Deed
Last Sale	Jun 26, 2019 · Amount on File
Deed Sale	Jun 26, 2019 · Amount on File
Prior Sale	Dec 13, 2016 · Amount on File
Deed Document Number	20192791
Record Updated	Oct 29, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Jun 26, 2019
Property Address	39 FORD AVE, ONEONTA, NY 13820-1835
Document Number	0000002791
Instrument Date	Jun 21, 2019
Instrument	2791
Transaction Type	Transfer
Record Updated	Jul 19, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20 GARDNER PL #94 ONEONTA NY 138201611, 94, ONEONTA, NY 13820-1611

Mortgage

Document Number	2792
Date	Jun 26, 2019
Instrument	2792

Lender

Name	USNY BK
Type	Bank
Address	GENEVA, NY 14456

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 25, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 39 Ford Ave was $7,987, up 2.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,987.00 (+2.44%)
2025	$7,797.00	$206,000 Land $14,800 Building $191,200	$290,141 Land $20,845 Building $269,296
2023		$206,000 Land $14,800 Building $191,200	$254,321 Land $18,272 Building $236,049

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

Flood

FEMA maps place 39 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	7 in force
Nearby Flood Claims	3 (2006–2011)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Severe Storms And Flooding, Jun 2006 · 2 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 39 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.

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 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