Otsego County and Oneonta City property record for 41 Ford Ave, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,750 sqft · built 1900 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $239,000 (Jun 2023) |
| Tax Bill | $7,293 (2026) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Aug 2022 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.17-5-72 |
| Primary APN | 361200 288.17-5-72 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,750 sqft Living Area |
| 1st Floor Area | 1,428 sqft |
| 2nd Floor Area | 1,322 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 131 ft deep x 41 ft wide |
| Garage Type | Detached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 296 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 1332 |
|---|---|
| Street Address | 41 FORD AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 140 |
| Legal Block | 5 |
| Legal Lot Number | 72.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 591000 |
Source: Otsego County and Oneonta City records, as of September 23, 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 Record |
|---|---|
| Mailing Address | 41 FORD AVE, ONEONTA, NY 13820-1835 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 21, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage NBT BANK NATIONAL ASSOCIATION |
| Aug 4, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA |
| Jul 9, 2018 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2023 · Amount on Record |
| Deed Sale | Jun 21, 2023 · Amount on Record |
| Prior Sale | Jul 9, 2018 · Amount on Record |
| Deed Document Number | 20232454 |
| Prior Transfer Date | Mar 18, 2000 |
| Prior Transfer Doc | 0898000272 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jun 21, 2023 |
| Property Address | 41 FORD AVE, ONEONTA, NY 13820-1835 |
| Document Number | 0000000454 |
| Instrument Date | Jun 21, 2023 |
| Instrument | 2023-2454 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9 WOODSIDE AVE, RICHFIELD SPRINGS, NY 13439-7761 |
| Document Number | 0000000455 |
|---|---|
| Date | Jun 21, 2023 |
| Instrument | 2023-2455 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 41 FORD AVE, ONEONTA, NY 13820-1835 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000287 |
|---|---|
| Date | Aug 4, 2022 |
| Instrument | 2022-4287 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Sep 1, 2027 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jul 9, 2018 |
| Property Address | 41 FORD AVE, ONEONTA, NY 13820-1835 |
| Document Number | 0000003017 |
| Instrument Date | Jun 25, 2018 |
| Instrument | 3017 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 41 FORD AVE ONEONTA NY 138201835, ONEONTA, NY 13820-1835 |
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 | $7,293.00 (+2.46%) | ||
| 2025 | $7,118.00 | $188,000 (-) Land $12,000 Building $176,000 | $264,789 (+14.08%) Land $16,901 Building $247,888 |
| 2023 | $188,000 (-) Land $12,000 Building $176,000 | $232,099 (+13.58%) Land $14,815 Building $217,284 | |
| 2022 | $188,000 Land $12,000 Building $176,000 | $204,348 Land $13,043 Building $191,305 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 3 (2006–2011) |
| Claims Outside the SFHA | 1 of 3 |
| 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.
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 |
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 661 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 |
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