Otsego County and Oneonta Town property record for 409 Chestnut St, Oneonta, NY 13820
| Property Type | Commercial Building, Warehouse, Showroom |
|---|---|
| Details | 4,348 sqft · built 1900 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Company Name on File |
| Last Sale | $300,000 (Nov 2021) |
| Tax Bill | $7,907 (2026) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Feb 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 364600 299.07-1-62.00 |
| Primary APN | 364600 299.07-1-62.00 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,348 sqft Gross Area |
| Basement Area | 528 sqft |
| Unfinished Basement | 528 sqft |
| Fire Sprinklers | Fire Sprinklers |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 2021 |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 150 ft deep x 104 ft wide |
| Canopy | 175 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 111260 |
|---|---|
| Street Address | 409 CHESTNUT ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2120 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Commercial Building, Warehouse, Showroom |
| Local Zoning Code | B1 |
| Legal Description | 981 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 62.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 590800 |
409 Chestnut St, a commercial property, is owned by a company that bought it in November 2021.
Source: Otsego County and Oneonta Town records, as of September 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 131 MAIN ST, ONEIDA, NY 13421-1645 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 30, 2021 | Deed, Transfer · Stand-Alone First Mortgage ADIRONDACK BANK |
| Feb 5, 2020 | Grant Deed, Transfer BETTIOL FUEL SERVICE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 30, 2021 · Amount on File |
| Deed Sale | Nov 30, 2021 · Amount on File |
| Prior Sale | Feb 5, 2020 · Amount on File |
| Deed Document Number | 20216669 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Nov 30, 2021 |
| Property Address | 409 CHESTNUT ST, ONEONTA, NY 13820-2120 |
| Document Number | 0000000669 |
| Instrument Date | Nov 19, 2021 |
| Instrument | 2021-6669 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 131 MAIN ST, ONEIDA, NY 13421-1645 |
| Document Number | 0000000670 |
|---|---|
| Date | Nov 30, 2021 |
| Instrument | 2021-6670 |
| Name | ADIRONDACK BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Feb 5, 2020 |
| Property Address | 409 CHESTNUT ST, ONEONTA, NY 13820-2120 |
| Document Number | 0000000602 |
| Instrument Date | Dec 30, 2019 |
| Instrument | 602 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2020 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $400.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 408 EMMONS HILL RD ONEONTA NY 138203615, ONEONTA, NY 13820-3615 |
| Document Number | 603 |
|---|---|
| Date | Feb 5, 2020 |
| Instrument | 603 |
| Name | BETTIOL FUEL SERVICE INC |
|---|---|
| Address | 4966 STATE HIGHWAY 23 # 1, ONEONTA, NY 13820-4506 |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 409 Chestnut St was $7,907, up 0.5% from the year before.
Source: Otsego County and Oneonta Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Oneonta Town |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,907.00 (+0.47%) | ||
| 2025 | $7,870.00 | $245,000 Land $60,000 Building $185,000 | $350,000 Land $85,714 Building $264,286 |
| 2023 | $2,298.00 | $245,000 (-) Land $60,000 Building $185,000 | $314,103 (+12.82%) Land $76,923 Building $237,180 |
| 2022 | $245,000 Land $60,000 Building $185,000 | $278,409 Land $68,182 Building $210,227 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Chestnut St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1993.
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 | 5 in force |
| Nearby Flood Claims | 13 (1993–2011) |
| Claims Outside the SFHA | 7 of 13 |
| 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 409 Chestnut 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 376 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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