Otsego County and Oneonta City property record for 4 Thorn St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,274 sqft · built 1920 |
| Lot Size | 0.59 acres (25,700 sqft) |
| Owner | Individual Name on File |
| Last Sale | $65,000 (Feb 2021) |
| Tax Bill | $3,512 (2026) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 299.8-2-18 |
| Primary APN | 361200 299.8-2-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,274 sqft Living Area |
| 1st Floor Area | 649 sqft |
| 2nd Floor Area | 625 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 25,700 sqft (0.59 acres) |
| Lot Dimensions | 545 ft deep x 47 ft wide |
| Porch | Slab |
| Porch Area | 175 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3216 |
|---|---|
| Street Address | 4 THORN ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 2 |
| Legal Lot Number | 18.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 591700 |
4 Thorn St is owned and occupied by an individual who bought it in February 2021.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4 THORN ST, ONEONTA, NY 13820-1239 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Last Sale | Feb 24, 2021 · Amount on File |
| Deed Sale | Feb 24, 2021 · Amount on File |
| Prior Sale | May 31, 2005 · Amount on File |
| Deed Document Number | 20211029 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Feb 24, 2021 |
| Property Address | 4 THORN ST, ONEONTA, NY 13820-1239 |
| Document Number | 0000000029 |
| Instrument Date | Feb 22, 2021 |
| Instrument | 2021-1029 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 541 JACOBS RD, BURLINGTON FLATS, NY 13315-3333 |
| Document Number | 0000000030 |
|---|---|
| Date | Feb 24, 2021 |
| Instrument | 2021-1030 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 4 Thorn St was $3,512, up 2.5% from the year before.
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 | $3,512.00 (+2.51%) | ||
| 2025 | $3,426.00 | $90,000 Land $28,700 Building $61,300 | $126,761 Land $40,423 Building $86,338 |
| 2023 | $90,000 Land $28,700 Building $61,300 | $111,111 Land $35,432 Building $75,679 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Thorn St in Zone X, an area of minimal flood risk.
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 risk around 4 Thorn 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.
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 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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