Otsego County and Oneonta City property record for 40 Union St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 1,820 sqft · built 1930 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $183,000 (Oct 2023) |
| Tax Bill | $5,827 (2026) |
| Deeds & Mortgages | Oct 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.14-3-63 |
| Primary APN | 361200 288.14-3-63 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,820 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Upper Floors Area | 660 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 113 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 192 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3286 |
|---|---|
| Street Address | 40 UNION ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1648 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 3 |
| Legal Lot Number | 63.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 591000 |
40 Union St is owned and occupied by an individual who bought it in October 2023.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 40 UNION ST, ONEONTA, NY 13820-1648 |
| 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 | Oct 30, 2023 · Amount on File |
| Deed Sale | Oct 30, 2023 · Amount on File |
| Deed Document Number | 20234459 |
| Record Updated | Oct 29, 2026 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 30, 2023 |
| Property Address | 40 UNION ST, ONEONTA, NY 13820-1648 |
| Document Number | 0000000459 |
| Instrument Date | Oct 27, 2023 |
| Instrument | 2023-4459 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 240 COUNTY HIGHWAY 58, ONEONTA, NY 13820-3637 |
The 2026 property tax bill for 40 Union St was $5,827, 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 | $5,827.00 (+2.48%) | ||
| 2025 | $5,686.00 | $150,000 Land $14,100 Building $135,900 | $211,268 Land $19,859 Building $191,409 |
| 2023 | $150,000 (-) Land $14,100 Building $135,900 | $185,185 (+13.58%) Land $17,407 Building $167,778 | |
| 2022 | $150,000 Land $14,100 Building $135,900 | $163,043 Land $15,326 Building $147,717 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Union St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 | 1 (1979) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1979 · tidal / storm surge |
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 40 Union 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 122 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 |
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