421 Main St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 421 Main St, Oneonta, NY 13820

Property Summary

Property Type	Triplex
Details	5 bd · 3.5 ba · 2,718 sqft · built 1900
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Feb 2020)
Tax Bill	$6,322 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 288.19-1-20`

Property Details

APN / Parcel Number

Primary APN	`361200 288.19-1-20`
Alternative APNs	`120028801900010200000000` `3911 2039`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,718 sqft Total Area
1st Floor Area	1,288 sqft
2nd Floor Area	1,144 sqft
Attic	Attic
Attic Area	286 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	111 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 2039
Street Address	421 MAIN ST
City	ONEONTA
State	NY
Zip	13820-2827
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	220
Legal Block	1
Legal Lot Number	20.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1002
Census Tract	590900

Owner

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	Individual Name on Record
Mailing Address	139 TALLOW WOOD DR, CLIFTON PARK, NY 12065-2813
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2020 · Amount on Record
Deed Sale	Feb 14, 2020 · Amount on Record
Prior Sale	Jan 15, 2013 · Amount on Record
Deed Document Number	2020756
Record Updated	Jun 8, 2026

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Feb 14, 2020
Property Address	421 MAIN ST, ONEONTA, NY 13820-2827
Document Number	0000000756
Instrument Date	Dec 6, 2019
Instrument	756
Transaction Type	Transfer
Record Updated	Mar 9, 2020
Title Company	COOPER COUNTRY ABSTRACT, COOPER CNTRY ABS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 TEACUP CIR ALBANY NY 122081126, ALBANY, NY 12208-1126

Mortgage

Document Number	757
Date	Feb 14, 2020
Instrument	757

Lender

Name	COMMUNITY BK NA
Address	OLEAN, NY 14760

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2050

Tax Assessment & Valuation

Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
Municipality	Oneonta City
Unified School District	Oneonta City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,322.00	$165,000 (-) Land $14,800 Building $150,200	$232,394 (+14.08%) Land $20,845 Building $211,549
2023		$165,000 Land $14,800 Building $150,200	$203,704 Land $18,272 Building $185,432

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	Remnants Of Tropical Storm Lee, Sep 2011 · 2 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures