40 Grove St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 40 Grove St, Oneonta, NY 13820

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,188 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Jul 2021)
Tax Bill	$5,423 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 300.5-4-40`

Property Details

APN / Parcel Number

Primary APN	`361200 300.5-4-40`
Alternative APNs	`120030000500040400000000` `3911 1618`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,188 sqft Total Area
1st Floor Area	1,132 sqft
2nd Floor Area	1,056 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1981
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	148 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	920 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	84 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 1618
Street Address	40 GROVE ST
City	ONEONTA
State	NY
Zip	13820-2434
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	140
Legal Block	4
Legal Lot Number	40.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2027
Census Tract	591100

Owner

40 Grove St, a duplex, is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	40 GROVE ST, ONEONTA, NY 13820-2434
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2021 · Amount on File
Deed Sale	Jul 8, 2021 · Amount on File
Deed Document Number	20213786
Prior Transfer Date	Feb 23, 2004
Prior Transfer Doc	0010360004
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Jul 8, 2021
Property Address	40 GROVE ST, ONEONTA, NY 13820-2434
Document Number	786
Instrument Date	Jun 30, 2021
Instrument	2021-3786
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	26 WALNUT ST, ONEONTA, NY 13820-1897

Mortgage

Document Number	787
Date	Jul 8, 2021
Instrument	2021-3787

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 40 Grove St was $5,423, down 11% 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	$5,423.00 (-11.03%)
2025	$6,095.00	$135,000 Land $19,000 Building $116,000	$190,141 Land $26,761 Building $163,380
2023		$135,000 Land $19,000 Building $116,000	$166,667 Land $23,457 Building $143,210

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

Flood

FEMA maps place 40 Grove St in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1986.

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
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	20 (1986–2014)
Claims Outside the SFHA	4 of 20
Most Recent Claim	Feb 2014
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 9 claims Severe Storms And Flooding, Jun 2006 · 7 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 40 Grove 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 393 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20