Otsego County and Oneonta City property record for 425 Main St, Oneonta, NY 13820
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 1,636 sqft · built 1987 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $52,000 (Jun 1999) |
| Tax Bill | $4,284 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.19-1-39 |
| Primary APN | 361200 288.19-1-39 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,636 sqft Gross Area |
| Basement Area | 732 sqft |
| Unfinished Basement | 732 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 92 ft deep x 59 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 103 sqft |
| Heating Fuel | Oil |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2040 |
|---|---|
| Street Address | 425 MAIN ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1928 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | 220 |
| Legal Block | 1 |
| Legal Lot Number | 39.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 590900 |
425 Main St, a commercial property, is owned by an individual who acquired it in February 2011.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8-12 DIETZ ST, ONEONTA, NY 13820-1849 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 28, 1999 · Amount on File |
| Deed Sale | Jun 28, 1999 · Amount on File |
| Deed Book / Page | 869 / 136 |
| Last Transfer Date | Feb 7, 2011 |
| Transfer Doc | 0020110815 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 425 Main St was $4,284, down 21.5% from the year before.
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 | $4,284.00 (-21.54%) | ||
| 2025 | $5,460.00 | $110,000 Land $17,000 Building $93,000 | $154,930 Land $23,944 Building $130,986 |
| 2023 | $110,000 (-) Land $17,000 Building $93,000 | $135,802 (+13.58%) Land $20,988 Building $114,814 | |
| 2022 | $110,000 Land $17,000 Building $93,000 | $119,565 Land $18,478 Building $101,087 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 425 Main St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2006.
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.
Wildfire risk around 425 Main 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 | 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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