Otsego County and Oneonta City property record for 41 Cedar St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,632 sqft · built 1907 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $181,500 (May 2009) |
| Tax Bill | $5,180 (2025) |
| Deeds & Mortgages | Sep 2021 Refinance Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.14-2-40 |
| Primary APN | 361200 288.14-2-40 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,632 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Upper Floors Area | 624 sqft |
| Game Room | Game Room |
| Year Built | Built 1907 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 153 ft deep x 52 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 830 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 0277 |
|---|---|
| Street Address | 41 CEDAR ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 140 |
| Legal Description | 0298390 0892090 |
| Legal Block | 2 |
| Legal Lot Number | 40.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 591000 |
Source: Otsego County and Oneonta City records · APN 361200 288.14-2-40
Assessment roll updated April 30, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 41 CEDAR ST, ONEONTA, NY 13820-1519 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 07, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Jun 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 29, 2009 · Amount on Record |
| Deed Sale | May 29, 2009 · Amount on Record |
| Prior Sale | Jul 18, 2006 · Amount on Record |
| Deed Book / Page | 1123 / 831 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 41 CEDAR ST, ONEONTA, NY 13820-1519 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 952 |
|---|---|
| Date | Sep 07, 2021 |
| Instrument | 2021-4952 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 01, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 41 CEDAR ST, ONEONTA, NY 13820-1519 |
| Document Number | 0000002939 |
| Instrument Date | Jun 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 07, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 41 CEDAR ST ONEONTA NY 138201519, ONEONTA, NY 13820-1519 |
| Document Number | 0000002939 |
|---|---|
| Date | Jul 20, 2020 |
| Instrument | 2939 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 19, 2035 |
Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,180.00 | $150,000 (-) Land $17,600 Building $132,400 | $211,268 (+14.08%) Land $24,789 Building $186,479 |
| 2023 | $150,000 Land $17,600 Building $132,400 | $185,185 Land $21,728 Building $163,457 |
Source: FEMA National Flood Hazard Layer as of March 20, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 661 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ONEONTA CITY serves 15,954 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures