431 Lougheed Rd, Oneonta, NY 13820 Property Records

Otsego County and Milford Town property record for 431 Lougheed Rd, Oneonta, NY 13820 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Architecture Style	Modular
Year Built	Built 2002
Square Footage	1,742 sqft Living Area
Lot Size	13,504 sqft (0.31 acres)
Occupancy	Owner Occupied
Tax Bill	$1,923.00 (2025)

Owner

Source: Otsego County and Milford Town records · APN 364089 226.00-1-8.02

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	2 Individual Names on File
Mailing Address	431 LOUGHEED RD, ONEONTA, NY 13820-4135
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Dec 17, 2022
Transfer Doc	0000000028
Record Refreshed	Jun 08, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	OTSEGO NY
Recording Date	Jan 04, 2023
Property Address	431 LOUGHEED RD, ONEONTA, NY 13820-4135
Document Number	0000000028
Instrument Date	Dec 17, 2022
Instrument	2023-028
Transaction Type	Transfer
Record Updated	Jan 31, 2023

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 LOUGHEED RD, ONEONTA, NY 13820-4135

Mortgage

Document Number	0000000029
Date	Jan 04, 2023
Instrument	2023-029

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	Feb 01, 2051

Tax Assessment & Valuation

Source: Otsego County and Milford Town records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Milford Town
Unified School District	Milford Central School District (PK - 12)

Tax Bill & Assessment History

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	$1,923.00	$101,400 (-) Land $11,100 Building $90,300	$144,857 (+17.86%) Land $15,857 Building $129,000
2023		$101,400 Land $11,100 Building $90,300	$122,909 Land $13,455 Building $109,454

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Otsego County (36077C), updated March 20, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`364089 226.00-1-8.02`
Alternative APNs	`408922600000010080020000` `200090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,742 sqft Living Area
1st Floor	1,742 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Modular Style
Exterior Material	Wood Exterior
Lot Area	13,504 sqft (0.31 acres)
Lot Width	75 ft Width
Porch Area	480 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	200090
Street Address	431 LOUGHEED RD
City	ONEONTA
State	NY
Zip	13820-4135
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	8.002
Jurisdiction	OTSEGO NY
Minor Civil Division	MILFORD
Census Blockgroup	3
Census Block	3021
Census Tract	590500