Otsego County and Oneonta City property record for 42 Cedar St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,964 sqft · built 1893 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,355 (2026) |
| Deeds & Mortgages | Jan 2023 Mortgage Nov 2019 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.14-2-50 |
| Primary APN | 361200 288.14-2-50 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,964 sqft Living Area |
| 1st Floor Area | 990 sqft |
| 2nd Floor Area | 974 sqft |
| Year Built | Built 1893 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 150 ft deep x 44 ft wide |
| Garage Type | Detached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 140 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 0292 |
|---|---|
| Street Address | 42 CEDAR ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 140 |
| Legal Block | 2 |
| Legal Lot Number | 50.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 591000 |
42 Cedar St is owned and occupied by an individual.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 42 CEDAR ST, ONEONTA, NY 13820-1520 |
| 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.
| Date | Document |
|---|---|
| Jan 13, 2023 | Deed of Trust, Mortgage · ARM SIDNEY FEDERAL CREDIT UNION |
| Nov 4, 2019 | Warranty Deed, Transfer · Line of Credit JESSAMY SANDERS |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 42 CEDAR ST, ONEONTA, NY 13820-1520 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000000073 |
|---|---|
| Date | Jan 13, 2023 |
| Instrument | 2023-173 |
| Name | SIDNEY FEDERAL CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.7% |
| Type Change Date | Feb 1, 2028 |
| Index | 5-Year CMT |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Nov 4, 2019 |
| Property Address | 42 CEDAR ST, ONEONTA, NY 13820-1520 |
| Document Number | 0000005155 |
| Instrument Date | Oct 31, 2019 |
| Instrument | 5155 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2019 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $130.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6901 DUNK HILL RD WALTON NY 138564259, WALTON, NY 13856-4259 |
| Document Number | 5156 |
|---|---|
| Date | Nov 4, 2019 |
| Instrument | 5156 |
| Name | JESSAMY SANDERS |
|---|---|
| Address | 14 N 6TH ST, ONEONTA, NY 13820-2022 |
| Special Notes | Seller Financed |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Nov 3, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
The 2026 property tax bill for 42 Cedar St was $2,355.
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 | $2,355.00 | ||
| 2025 | $60,000 Land $15,500 Building $44,500 | $84,507 Land $21,831 Building $62,676 | |
| 2023 | $60,000 Land $15,500 Building $44,500 | $74,074 Land $19,136 Building $54,938 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 42 Cedar St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 | 1 (1979) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1979 · tidal / storm surge |
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 42 Cedar 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 |
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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