Otsego County and Oneonta City property record for 433 Main St, Oneonta, NY 13820
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 1,680 sqft · built 1900 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $91,250 (Nov 2017) |
| Tax Bill | $4,864 (2026) |
| Deeds & Mortgages | Nov 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.19-1-50 |
| Primary APN | 361200 288.19-1-50 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,680 sqft Total Area |
| 1st Floor Area | 840 sqft |
| 2nd Floor Area | 840 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 198 ft deep x 55 ft wide |
| Porch | Slab |
| Porch Area | 507 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2044 |
|---|---|
| Street Address | 433 MAIN ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2028 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 220 |
| Legal Block | 1 |
| Legal Lot Number | 50.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 590900 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 433 MAIN ST, ONEONTA, NY 13820-2028 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 14, 2017 · Amount on Record |
| Deed Sale | Nov 14, 2017 · Amount on Record |
| Prior Sale | Jan 11, 2011 · Amount on Record |
| Deed Book / Page | 2017 / 5594 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Nov 14, 2017 |
| Property Address | 433 MAIN ST, ONEONTA, NY 13820-2028 |
| Document Number | 0000005594 |
| Instrument Date | Oct 26, 2017 |
| Instrument | 5594 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 814 BREVARD CT ORLANDO FL 328228118, ORLANDO, FL 32822-8118 |
Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,864.00 (-8.24%) | ||
| 2025 | $5,301.00 | $124,000 (-) Land $21,800 Building $102,200 | $174,648 (+14.08%) Land $30,704 Building $143,944 |
| 2023 | $124,000 Land $21,800 Building $102,200 | $153,086 Land $26,914 Building $126,172 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (2006–2011) |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| Claims by Event |
|
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.
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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ONEONTA CITY serves 15,954 people · EPA ID NY3800154 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 6 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 318 locations within half a mile, as of December 31, 2025
| Provider | Max 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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