Otsego County and Laurens Town property record for 428 Ymca Rd, West Oneonta, NY 13861
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,750 sqft · built 1974 |
| Lot Size | 41.5 acres (1,810,789 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $122,000 (Jan 1999) |
| Tax Bill | $9,541 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 363489 256.00-1-3.00 |
| Primary APN | 363489 256.00-1-3.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,750 sqft Living Area |
| 1st Floor Area | 1,750 sqft |
| Basement Area | 1,750 sqft |
| Finished Basement | 1,750 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Rustic |
| Exterior Material | Wood |
| Lot Area | 1,810,789 sqft (41.5 acres) |
| Lot Width | 3,020 ft Width |
| Garage Type | Detached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Slab |
| Porch Area | 2,446 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 033980 |
|---|---|
| Street Address | 428 YMCA RD |
| City | WEST ONEONTA |
| State | NY |
| Zip | 13861 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | 07 - MIXED |
| Legal Block | 1 |
| Legal Lot Number | 3.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | LAURENS |
| Census Block Group | 2 |
| Census Block | 2075 |
| Census Tract | 591402 |
428 Ymca Rd, a residential property, is owned by two individuals who acquired it in July 2006.
Source: Otsego County and Laurens Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 554 WHITEHALL RD, 110, CHATTANOOGA, TN 37405-3779 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 1999 · Amount on File |
| Deed Sale | Jan 14, 1999 · Amount on File |
| Deed Book / Page | 854 / 74 |
| Last Transfer Date | Jul 5, 2006 |
| Transfer Doc | 0010950415 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 428 Ymca Rd was $9,541, up 24.9% from the year before.
Source: Otsego County and Laurens Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Laurens Town |
| Unified School District | Laurens Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,541.00 (+24.93%) | ||
| 2025 | $7,637.00 | $266,000 Land $68,400 Building $197,600 | $400,000 Land $102,857 Building $297,143 |
| 2023 | $219,300 Land $68,400 Building $150,900 | $291,855 Land $91,030 Building $200,825 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Ymca Rd in Zone X, an area of minimal flood risk.
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 | 1 in force |
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 428 Ymca Rd 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: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
5G (outdoors only)
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