Otsego County and Oneonta City property record for 39 Prospect St, Oneonta, NY 13820
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,447 sqft · built 1910 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $108,000 (Mar 2019) |
| Tax Bill | $5,481 (2026) |
| Deeds & Mortgages | Aug 2021 Refinance Mar 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 300.6-2-43 |
| Primary APN | 361200 300.6-2-43 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,447 sqft Total Area |
| 1st Floor Area | 1,374 sqft |
| 2nd Floor Area | 1,073 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 154 ft deep x 59 ft wide |
| Garage Type | Detached |
| Garage Area | 1,080 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 242 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2609 |
|---|---|
| Street Address | 39 PROSPECT ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2628 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 140 |
| Legal Block | 2 |
| Legal Lot Number | 43.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 590900 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 39 PROSPECT ST, ONEONTA, NY 13820-2628 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 6, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance DELAWARE NATIONAL BANK |
| Mar 14, 2019 | Warranty Deed, Transfer · Conventional with PMI M&T BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 14, 2019 · Amount on Record |
| Deed Sale | Mar 14, 2019 · Amount on Record |
| Deed Document Number | 20191124 |
| Prior Transfer Date | Jan 31, 2007 |
| Prior Transfer Doc | 0011020056 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 39 PROSPECT ST, ONEONTA, NY 13820-2628 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2021 |
| Name | Verified Name |
|---|
| Document Number | 381 |
|---|---|
| Date | Aug 6, 2021 |
| Instrument | 2021-4381 |
| Name | DELAWARE NATIONAL BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Mar 14, 2019 |
| Property Address | 39 PROSPECT ST, ONEONTA, NY 13820-2628 |
| Document Number | 0000001124 |
| Instrument Date | Feb 19, 2019 |
| Instrument | 1124 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $432.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 56 EAST ST ONEONTA NY 138201650, ONEONTA, NY 13820-1650 |
| Document Number | 1125 |
|---|---|
| Date | Mar 14, 2019 |
| Instrument | 1125 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 13, 2049 |
| Document Number | 1126, |
|---|---|
| Date | Mar 14, 2019 |
| Instrument | 1126 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Amount | Amount Recorded |
|---|
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 | $5,481.00 (+2.54%) | ||
| 2025 | $5,345.00 | $140,000 (-) Land $18,300 Building $121,700 | $197,183 (+14.08%) Land $25,775 Building $171,408 |
| 2023 | $140,000 Land $18,300 Building $121,700 | $172,840 Land $22,593 Building $150,247 |
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 |
|---|---|
| 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 | 1 in force |
| Nearby Flood Claims | 1 (1996) |
| Most Recent Claim | Jan 1996 · Severe Storms And Flooding |
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 | None beyond 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 252 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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