Otsego County and Oneonta City property record for 43 Cliff St, Oneonta, NY 13820 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Architecture Style | Traditional |
| Year Built | Built 2005 |
| Square Footage | 1,700 sqft Living Area |
| Lot Size | 3,049 sqft (0.07 acres) |
| Garage | Attached, 264 sqft |
| Tax Bill | $10,871.00 (2025) |
| Primary APN | 361200 300.5-4-52 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,700 sqft Living Area |
| 1st Floor | 850 sqft 1st Floor |
| 2nd Floor | 850 sqft 2nd Floor |
| Stories | 2 Stories |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 3,049 sqft (0.07 acres) |
| Depth X Width | 66 ft x 45 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 264 sqft Garage |
| Porch Area | 352 sqft Porch |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 3911 0712 |
|---|---|
| Street Address | 43 CLIFF ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2414 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 4 |
| Legal Lot Number | 52.000 |
| Jurisdiction | OTSEGO NY |
| Minor Civil Division | ONEONTA |
| Census Blockgroup | 2 |
| Census Block | 2025 |
| Census Tract | 591100 |
Source: Otsego County and Oneonta City records · APN 361200 300.5-4-52
Assessment roll updated April 30, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 159, LAURENS, NY 13796-0159 |
| Owner Type | Owner is a Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Oct 17, 2019 | Warranty Deed, Transfer BUTTICE ABSTRACT AND RESEARCH, BUTTICE ABS & RESEARCH |
| Dec 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) USNY BK |
| Apr 02, 2018 | Grant Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 17, 2019 |
| Property Address | 43 CLIFF ST, ONEONTA, NY 13820-2414 |
| Document Number | 0000004752 |
| Instrument Date | Oct 09, 2019 |
| Instrument | 4752 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2019 |
| Title Company | BUTTICE ABSTRACT AND RESEARCH, BUTTICE ABS & RESEARCH |
| Amount | Amount Recorded |
|---|---|
| Tax | $700.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 159 LAURENS NY 137960159, LAURENS, NY 13796-0159 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 43 CLIFF ST, ONEONTA, NY 13820-2414 |
| Document Number | 0000001799 |
| Instrument Date | Dec 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2019 |
| Title Company | BUTTICE ABSTRACT AND RESEARCH, BUTTICE ABS & RESEARCH |
| Name | Verified Name |
|---|---|
| Address | PO BOX 159 LAURENS NY 137960159, LAURENS, NY 13796-0159 |
| Document Number | 0000001799 |
|---|---|
| Date | Apr 29, 2019 |
| Instrument | 1799 |
| Name | USNY BK |
|---|---|
| Type | Bank |
| Address | GENEVA, NY 14456 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Apr 02, 2018 |
| Property Address | 43 CLIFF ST, ONEONTA, NY 13820-2414 |
| Document Number | 0000001421 |
| Instrument Date | Mar 21, 2018 |
| Instrument | 1421 |
| Transaction Type | Transfer |
| Record Updated | Jul 02, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 159 LAURENS NY 137960159, LAURENS, NY 13796-0159 |
Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,871.00 | $165,000 (-) Land $8,400 Building $156,600 | $232,394 (+14.08%) Land $11,831 Building $220,563 |
| 2023 | $165,000 Land $8,400 Building $156,600 | $203,704 Land $10,370 Building $193,334 |
43 Cliff St is in FEMA Zone X (minimal flood hazard (unshaded X)), outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Otsego County (36077C), updated March 20, 2017
| FEMA Flood Zone | Zone X minimal flood hazard (unshaded X) |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024)
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 55th in New York |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Lookups use the parcel center point against federal datasets; a lot that straddles a boundary may differ at its edges, and lenders make the official flood determination. Wildfire values come from a national model at roughly 900 ft resolution with fuels as of 2020 and describe conditions, not a forecast.
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