393 Main St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 393 Main St, Oneonta, NY 13820

Property Summary

Property Type	Mixed Use Store/Office
Details	6,670 sqft · built 1974
Lot Size	0.31 acres (13,504 sqft)
Owner	Company Name on File
Last Sale	$113,000 (May 2016)
Tax Bill	$8,979 (2026)
Deeds & Mortgages	Dec 2022 Refinance Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 288.18-6-95`

Property Details

APN / Parcel Number

Primary APN	`361200 288.18-6-95`
Alternative APNs	`120028801800060950000000` `3911 2027`

Interior

Units	14 Units
Stories	2 Stories
Building Area	6,670 sqft Gross Area
Basement Area	2,542 sqft
Unfinished Basement	2,542 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	125 ft deep x 110 ft wide
Porch	Slab
Porch Area	104 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 2027
Street Address	393 MAIN ST
City	ONEONTA
State	NY
Zip	13820-1935
Property Category	Commercial
Property Type	Commercial > Retail > Mixed Use Store/Office
Local Zoning Code	420
Legal Block	6
Legal Lot Number	95.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1010
Census Tract	590900

Owner

393 Main St, a commercial property, is owned by a company that bought it in May 2016.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	20 RIVER ST, 3, ONEONTA, NY 13820-2856
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SIDNEY FEDERAL CREDIT UNION
Apr 4, 2019	Warranty Deed, Transfer · Conventional Mortgage DELAWARE NAT'L BK/DELHI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2016 · Amount on File
Deed Sale	May 19, 2016 · Amount on File
Deed Book / Page	2016 / 2376
Prior Transfer Date	Sep 17, 2015
Prior Transfer Doc	2016001331
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	393 MAIN ST, ONEONTA, NY 13820-1935
Transaction Type	Mortgage
Record Updated	Jan 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000916
Date	Dec 22, 2022
Instrument	2022-6916

Lender

Name	SIDNEY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Apr 4, 2019
Property Address	393 MAIN ST, ONEONTA, NY 13820-1935
Document Number	0000001462
Instrument Date	Mar 20, 2019
Instrument	1462
Transaction Type	Transfer
Record Updated	May 1, 2019
Title Company	RIVER CITY ABSTRACT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10 MARKET ST #11 ONEONTA NY 138202626, 11, ONEONTA, NY 13820-2626

Mortgage

Document Number	1463
Date	Apr 4, 2019
Instrument	1463

Lender

Name	DELAWARE NAT'L BK/DELHI
Type	Bank
Address	WEST DAVENPORT, NY 13860

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 3, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 393 Main St was $8,979, up 2.5% 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	$8,979.00 (+2.52%)
2025	$8,758.00	$230,000 Land $23,000 Building $207,000	$323,944 Land $32,394 Building $291,550
2023		$230,000 Land $23,000 Building $207,000	$283,951 Land $28,395 Building $255,556

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

Flood

FEMA maps place 393 Main St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2006.

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	3 (2006–2011)
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 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 393 Main 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 318 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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