Otsego County and Oneonta Town property record for 396 Chestnut St, Oneonta, NY 13820
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 4,116 sqft · built 1980 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,518 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 364600 299.07-4-6.00 |
| Primary APN | 364600 299.07-4-6.00 |
|---|---|
| Alternative APNs |
|
| Units | 3 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 4,116 sqft Gross Area |
| Basement Area | 1,440 sqft |
| Unfinished Basement | 1,440 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating Fuel | Oil |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 082400 |
|---|---|
| Street Address | 396 CHESTNUT ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-6100 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Description | 992 0 0 |
| Legal Block | 4 |
| Legal Lot Number | 6.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 590800 |
396 Chestnut St, a commercial property, is owned by an individual.
Source: Otsego County and Oneonta Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15 CARBON ST, ONEONTA, NY 13820-2535 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 396 Chestnut St was $7,518, up 0.3% from the year before.
Source: Otsego County and Oneonta Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Oneonta Town |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,518.00 (+0.25%) | ||
| 2025 | $7,499.00 | $237,100 Land $37,500 Building $199,600 | $338,714 Land $53,571 Building $285,143 |
| 2023 | $2,123.00 | $237,100 (-) Land $37,500 Building $199,600 | $303,974 (+12.82%) Land $48,077 Building $255,897 |
| 2022 | $237,100 Land $37,500 Building $199,600 | $269,432 Land $42,614 Building $226,818 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 396 Chestnut St in Zone X, an area of minimal flood risk, though there have been 5 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 |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 5 (2006–2013) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Jul 2013 · river or lake flooding |
| Claims by Event |
|
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 396 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.
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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures