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428 Main St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 428 Main St, Oneonta, NY 13820

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,714 sqft · built 1932
Lot Size0.25 acres (10,890 sqft)
Owner2 Company Names on Record
Tax Bill$6,946 (2026)
Deeds & MortgagesDec 2023 Transfer
Jun 2023 Sale
Flood ZoneZone X (minimal risk)
APN361200 288.19-1-74

Property Details

APN / Parcel Number

Primary APN361200 288.19-1-74
Alternative APNs
  • 120028801900010740000000
  • 3911 2148

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,714 sqft Living Area
1st Floor Area1,714 sqft
Game RoomGame Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1932
Effective Year BuiltEffective 1980
Architectural StyleTraditional
Exterior MaterialBrick
Lot Area10,890 sqft (0.25 acres)
Lot Dimensions125 ft deep x 85.4 ft wide
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
Patio Area78 sqft
Canopy260 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number3911 2148
Street Address428 MAIN ST
CityONEONTA
StateNY
Zip13820-1927
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code610
Legal Block1
Legal Lot Number74.000
JurisdictionOTSEGO NY
Township / Civil DivisionONEONTA
Census Block Group2
Census Block2011
Census Tract590900

Owner

Source: Otsego County and Oneonta City records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on Record
Mailing Address428 MAIN ST, ONEONTA, NY 13820-1927
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Dec 8, 2023Quit Claim Deed, Transfer
Quitclaim
Jun 2, 2023Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateDec 7, 2023
Transfer Doc0000000100
Record UpdatedOct 29, 2026

December 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOTSEGO NY
Recording DateDec 8, 2023
Property Address428 MAIN ST, ONEONTA, NY 13820-1927
Document Number0000000100
Instrument DateDec 7, 2023
Instrument2023-5100
Transaction TypeTransfer
Record UpdatedJan 2, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address125 OCEAN AVE APT 104, 104, PALM BEACH SHORES, FL 33404-5745

June 2023: Deed, Transfer

Document TypeDeed
JurisdictionOTSEGO NY
Recording DateJun 2, 2023
Property Address428 MAIN ST, ONEONTA, NY 13820-1927
Document Number0000000170
Instrument DateMay 25, 2023
Instrument2023-2170
Transaction TypeTransfer
Record UpdatedJun 20, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address428 MAIN ST, ONEONTA, NY 13820-1927

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountyOtsego County
MunicipalityOneonta City
Unified School DistrictOneonta City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$6,946.00 (+2.46%)
2025$6,779.00$179,000 (-) Land $22,500 Building $156,500$252,113 (+14.08%) Land $31,690 Building $220,423
2023$179,000 (-) Land $22,500 Building $156,500$220,988 (+13.58%) Land $27,778 Building $193,210
2022$179,000 Land $22,500 Building $156,500$194,565 Land $24,456 Building $170,109

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims5 (1986–2011)
Claims Outside the SFHA4 of 5
Most Recent ClaimAug 2011 · Hurricane Irene
Claims by Event
  • Severe Storms And Flooding, Jun 2006 · 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 RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemONEONTA CITY
serves 15,954 people · EPA ID NY3800154
Water SourceSurface water
Last State InspectionOct 2024
Lead6 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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