Otsego County and Oneonta City property record for 415 Main St, Oneonta, NY 13820
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 2,173 sqft · built 1983 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $265,000 (May 2021) |
| Tax Bill | $7,299 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.19-1-17 |
| Primary APN | 361200 288.19-1-17 |
|---|---|
| Alternative APNs |
|
| Units | 4 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,173 sqft Gross Area |
| Basement Area | 1,118 sqft |
| Finished Basement | 1,118 sqft |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 123 ft deep x 48 ft wide |
| Porch | Slab |
| Porch Area | 134 sqft |
| Heating Fuel | Oil |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2036 |
|---|---|
| Street Address | 415 MAIN ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1944 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | 220 |
| Legal Block | 1 |
| Legal Lot Number | 17.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 590900 |
Source: Otsego County and Oneonta City records, as of April 30, 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 | 3545 81ST ST, D2, JACKSON HEIGHTS, NY 11372-5006 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2021 · Amount on Record |
| Deed Sale | May 14, 2021 · Amount on Record |
| Prior Sale | Aug 31, 2007 · Amount on Record |
| Deed Document Number | 20212672 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | May 14, 2021 |
| Property Address | 415 MAIN ST, ONEONTA, NY 13820-1944 |
| Document Number | 672 |
| Instrument Date | May 7, 2021 |
| Instrument | 2021-2672 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| 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 | 3545 81ST ST, JACKSON HEIGHTS, NY 11372-5067 |
| Document Number | 673 |
|---|---|
| Date | May 14, 2021 |
| Instrument | 2021-2673 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 |
|---|---|---|---|
| 2025 | $7,299.00 | $190,000 (-) Land $19,000 Building $171,000 | $267,606 (+14.08%) Land $26,761 Building $240,845 |
| 2023 | $190,000 Land $19,000 Building $171,000 | $234,568 Land $23,457 Building $211,111 |
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 |
|---|---|
| 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.
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 | Direct burnable vegetation |
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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