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43 Cedar St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 43 Cedar St, Oneonta, NY 13820

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,831 sqft · built 1925
Lot Size0.19 acres (8,276 sqft)
OwnerIndividual Name on Record
Tax Bill$6,020 (2026)
Deeds & MortgagesFeb 2019 Line of Credit
Feb 2018 Loan Modification
Flood ZoneZone X (minimal risk)
APN361200 288.14-2-39

Property Details

APN / Parcel Number

Primary APN361200 288.14-2-39
Alternative APNs
  • 120028801400020390000000
  • 3911 0278

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,831 sqft Living Area
1st Floor Area1,021 sqft
2nd Floor Area810 sqft
AtticAttic
Attic Area202 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1980
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Lot Area8,276 sqft (0.19 acres)
Lot Dimensions153 ft deep x 52 ft wide
Garage TypeDetached
Garage Area480 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area544 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number3911 0278
Street Address43 CEDAR ST
CityONEONTA
StateNY
Zip13820-1519
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code140
Legal Block2
Legal Lot Number39.000
JurisdictionOTSEGO NY
Township / Civil DivisionONEONTA
Census Block Group1
Census Block1013
Census Tract591000

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 RecordIndividual Name on Record
Mailing Address43 CEDAR ST, ONEONTA, NY 13820-1519
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 27, 2019Deed of Trust, Mortgage · Line of Credit
NBT BK
Feb 1, 2018Loan Modification, Mortgage · Conventional Mortgage
NBT BK

Assessor's Deed Record

Deed NamesName on Deed
Record UpdatedOct 29, 2026

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOTSEGO NY
Property Address43 CEDAR ST, ONEONTA, NY 13820-1519
Document Number0000001349
Instrument DateFeb 27, 2019
Transaction TypeMortgage
Record UpdatedApr 29, 2019
Title CompanyINDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGCY

Transferred To (Grantee/Buyer)

NameVerified Name
Address43 CEDAR ST ONEONTA NY 138201519, ONEONTA, NY 13820-1519

Mortgage

Document Number0000001349
DateMar 27, 2019
Instrument1349
Lender
NameNBT BK
TypeBank
AddressONEONTA, NY 13820
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

February 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOTSEGO NY
Property Address43 CEDAR ST, ONEONTA, NY 13820-1519
Document Number0000001350
Instrument DateFeb 1, 2018
Transaction TypeMortgage
Record UpdatedApr 30, 2019
Title CompanyINDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGCY

Transferred To (Grantee/Buyer)

NameVerified Name
Address43 CEDAR ST ONEONTA NY 138201519, ONEONTA, NY 13820-1519

Mortgage

Document Number0000001350
DateMar 27, 2019
Instrument1350
Lender
NameNBT BK
TypeBank
AddressONEONTA, NY 13820-1519
Agreement
TypeConventional Mortgage
AmountAmount Recorded

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$6,020.00 (+12.13%) Homeowner's exemption
2025$5,369.00$155,000 (-) Land $18,300 Building $136,700$218,310 (+14.08%) Land $25,775 Building $192,535
2023$155,000 Land $18,300 Building $136,700$191,358 Land $22,593 Building $168,765

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 Policies2 in force
Nearby Flood Claims1 (1979)
Claims Outside the SFHA1 of 1
Most Recent ClaimMar 1979 · tidal / storm surge

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
ExposureIndirect
within ember reach

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 661 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
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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