Otsego County and Oneonta Town property record for 426 Chestnut St, Oneonta, NY 13820
| Property Type | Bank, Financial Building |
|---|---|
| Details | 2,250 sqft · built 1990 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Company Name on File |
| Last Sale | $300,000 (Mar 2021) |
| Tax Bill | $9,898 (2026) |
| Deeds & Mortgages | Mar 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 364600 299.07-1-37.00 |
| Primary APN | 364600 299.07-1-37.00 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,250 sqft Gross Area |
| Basement Area | 1,125 sqft |
| Unfinished Basement | 1,125 sqft |
| Fire Sprinklers | Fire Sprinklers |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2021 |
| Lot Area | 19,602 sqft (0.45 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Canopy | 221 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 082700 |
|---|---|
| Street Address | 426 CHESTNUT ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2146 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Bank, Financial Building |
| Legal Description | 988 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 37.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 590800 |
426 Chestnut St, a commercial property, is owned by a company that bought it in March 2021.
Source: Otsego County and Oneonta Town records, as of September 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 426 CHESTNUT ST, ONEONTA, NY 13820-2146 |
| Owner Type | Company |
| Vesting | Company |
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 | Mar 5, 2021 · Amount on File |
| Deed Sale | Mar 5, 2021 · Amount on File |
| Deed Document Number | 20211248 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Mar 5, 2021 |
| Property Address | 426 CHESTNUT ST, ONEONTA, NY 13820-2146 |
| Document Number | 0000000248 |
| Instrument Date | Feb 8, 2021 |
| Instrument | 2021-1248 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 189 MAIN ST # STE40, STE40, ONEONTA, NY 13820-3510 |
The 2026 property tax bill for 426 Chestnut St was $9,898, up 0.4% from the year before.
Source: Otsego County and Oneonta Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Oneonta Town |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,898.00 (+0.38%) | ||
| 2025 | $9,861.00 | $309,000 Land $70,000 Building $239,000 | $441,429 Land $100,000 Building $341,429 |
| 2023 | $2,842.00 | $309,000 (-) Land $70,000 Building $239,000 | $396,154 (+12.82%) Land $89,744 Building $306,410 |
| 2022 | $309,000 Land $70,000 Building $239,000 | $351,136 Land $79,545 Building $271,591 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 426 Chestnut St in Zone X, an area of minimal flood risk, though there have been 5 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 |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 5 (2006–2013) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Jul 2013 · river or lake flooding |
| 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 426 Chestnut 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 191 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 |
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