4 Draper St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 4 Draper St, Oneonta, NY 13820

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,928 sqft · built 1895
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$60,000 (Oct 2017)
Tax Bill	$4,285 (2026)
Deeds & Mortgages	Sep 2021 Refinance Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`361200 288.19-1-14`

Property Details

APN / Parcel Number

Primary APN	`361200 288.19-1-14`
Alternative APNs	`120028801900010140000000` `3911 0925`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,928 sqft Total Area
1st Floor Area	964 sqft
2nd Floor Area	964 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	103 ft deep x 55 ft wide

Exterior Amenities

Porch	Slab
Porch Area	372 sqft
Shed	1 Shed
Shed Area	384 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 0925
Street Address	4 DRAPER ST
City	ONEONTA
State	NY
Zip	13820-1904
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	120
Legal Block	1
Legal Lot Number	14.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1002
Census Tract	590900

Owner

4 Draper St, a duplex, is owned by two individuals who bought it in October 2017.

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	2 Individual Names on File
Mailing Address	31 MAIN ST, 5, ONEONTA, NY 13820-1585
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DELAWARE NATIONAL BANK
Oct 3, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2017 · Amount on File
Deed Sale	Oct 3, 2017 · Amount on File
Prior Sale	Dec 6, 2000 · Amount on File
Deed Book / Page	2017 / 4787
Prior Transfer Date	Sep 21, 2017
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	4 DRAPER ST, ONEONTA, NY 13820-1904
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	229
Date	Sep 20, 2021
Instrument	2021-5229

Lender

Name	DELAWARE NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO NY
Recording Date	Oct 3, 2017
Property Address	4 DRAPER ST, ONEONTA, NY 13820-1904
Document Number	0000004787
Instrument Date	Sep 21, 2017
Instrument	4787
Transaction Type	Transfer
Record Updated	Oct 31, 2017

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2839 STATE HIGHWAY 28 S ONEONTA NY 138206421, ONEONTA, NY 13820-6421

Tax Assessment & Valuation

The 2026 property tax bill for 4 Draper St was $4,285, down 47.2% 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	$4,285.00 (-47.25%)
2025	$8,123.00	$109,000 Land $14,100 Building $94,900	$153,521 Land $19,859 Building $133,662
2023		$109,000 Land $14,100 Building $94,900	$134,568 Land $17,407 Building $117,161

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

Flood

FEMA maps place 4 Draper 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 4 Draper 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	Direct burnable vegetation

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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