4 King St, Oneonta, NY 13820 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 936 sqft · built 1930
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Company Names on Record
Last Sale	$173,000 (Sep 2025)
Tax Bill	$4,867 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`361200 299.8-2-56`

Property Details

APN / Parcel Number

Primary APN	`361200 299.8-2-56`
Alternative APNs	`120029900800020560000000` `3911 0597`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	936 sqft Living Area
1st Floor Area	468 sqft
2nd Floor Area	468 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	24,394 sqft (0.56 acres)
Lot Dimensions	228 ft deep x 60 ft wide
Porch	Slab
Porch Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 0597
Street Address	4 KING ST
City	ONEONTA
State	NY
Zip	13820-1235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	2
Legal Lot Number	56.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2000
Census Tract	591700

Owner

Source: Otsego County and Oneonta City records, as of July 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	4 KING ST, ONEONTA, NY 13820-1235
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Sep 26, 2025	Warranty Deed, Transfer
Feb 8, 2024	Warranty Deed, Transfer
Feb 8, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2025 · Amount on Record
Deed Sale	Sep 26, 2025 · Amount on Record
Prior Sale	Feb 8, 2024 · Amount on Record
Deed Document Number	20252025-3782
Last Transfer Date	May 18, 2026
Transfer Doc	0000000531
Record Updated	Sep 20, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO NY
Recording Date	Jun 2, 2026
Property Address	4 KING ST, ONEONTA, NY 13820-1235
Document Number	0000000531
Instrument Date	May 18, 2026
Instrument	20262531
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	4 KING ST, ONEONTA, NY 13820-1235

Mortgage

Date	Jun 2, 2026

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Sep 26, 2025
Property Address	4 KING ST, ONEONTA, NY 13820-1235
Document Number	0000000782
Instrument Date	Sep 24, 2025
Instrument	2025-3782
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	279 CLASSON AVE APT 3R, 3R, BROOKLYN, NY 11205-4222

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Feb 8, 2024
Property Address	4 KING ST, ONEONTA, NY 13820-1235
Document Number	0000000033
Instrument Date	Jan 11, 2024
Instrument	2024-533
Transaction Type	Transfer
Record Updated	Feb 27, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1542 COUNTY HIGHWAY 4, OTEGO, NY 13825-2115

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Feb 8, 2024
Property Address	4 KING ST, ONEONTA, NY 13820-1235
Document Number	0000000033
Instrument Date	Jan 11, 2024
Instrument	2024-533
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1542 COUNTY HIGHWAY 4, OTEGO, NY 13825-2115

Tax Assessment & Valuation

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
2025	$4,867.00	$80,000 (-) Land $16,900 Building $63,100	$112,676 (+8.45%) Land $23,803 Building $88,873
2024		$80,000 (-) Land $16,900 Building $63,100	$103,896 (+5.2%) Land $21,948 Building $81,948
2023		$80,000 Land $16,900 Building $63,100	$98,765 Land $20,864 Building $77,901

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	1 in force

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

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 175 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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