Otsego County and Oneonta City property record for 407 Main St, Oneonta, NY 13820
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2.5 ba · 2,350 sqft · built 1935 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,561 (2026) |
| Deeds & Mortgages | Jan 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.18-6-89 |
| Primary APN | 361200 288.18-6-89 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,350 sqft Total Area |
| 1st Floor Area | 1,229 sqft |
| 2nd Floor Area | 1,121 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 130 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 627 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2033 |
|---|---|
| Street Address | 407 MAIN ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1901 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 220 |
| Legal Block | 6 |
| Legal Lot Number | 89.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 590900 |
407 Main St, a duplex, is owned and occupied by an individual who acquired it in May 2024.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 MAIN ST, ONEONTA, NY 13820-1901 |
| 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 Transfer Date | May 6, 2024 |
| Transfer Doc | 0000000887 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jan 14, 2020 |
| Property Address | 407 MAIN ST, ONEONTA, NY 13820-1901 |
| Document Number | 0000000182 |
| Instrument Date | Dec 16, 2019 |
| Instrument | 182 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 35 FAIR ST OTEGO NY 138252133, OTEGO, NY 13825-2133 |
The 2026 property tax bill for 407 Main St was $6,561 with exemptions applied, up 24.7% 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 | $6,561.00 (+24.69%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $5,262.00 | $168,000 Land $17,600 Building $150,400 | $236,620 Land $24,789 Building $211,831 |
| 2023 | $168,000 Land $17,600 Building $150,400 | $207,407 Land $21,728 Building $185,679 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 Main 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 |
|
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 407 Main 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 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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