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435 Main St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 435 Main St, Oneonta, NY 13820

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,515 sqft · built 1900
Lot Size0.2 acres (8,712 sqft)
Owner2 Individual Names on Record
Last Sale$210,000 (Jul 2026)
Tax Bill$4,708 (2026)
Deeds & MortgagesJul 2026 Sale
Oct 2025 Sale
Flood ZoneZone X (minimal risk)
APN361200 288.19-1-49

Property Details

APN / Parcel Number

Primary APN361200 288.19-1-49
Alternative APNs
  • 120028801900010490000000
  • 3911 2045

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories2 Stories
Building Area1,515 sqft Living Area
1st Floor Area775 sqft
2nd Floor Area740 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1946
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Lot Area8,712 sqft (0.2 acres)
Lot Dimensions143 ft deep x 60 ft wide
Garage TypeDetached
Garage Area280 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area225 sqft
Canopy158 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number3911 2045
Street Address435 MAIN ST
CityONEONTA
StateNY
Zip13820-2028
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code220
Legal DescriptionLIFE ESTATE > M BORDINGER
Legal Block1
Legal Lot Number49.000
JurisdictionOTSEGO NY
Township / Civil DivisionONEONTA
Census Block Group1
Census Block1000
Census Tract590900

Owner

Source: Otsego County and Oneonta City records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address24 GAULT AVE, ONEONTA, NY 13820-1908
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Jul 28, 2026Warranty Deed, Transfer
Oct 6, 2025Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 28, 2026 · Amount on Record
Deed SaleJul 28, 2026 · Amount on Record
Deed Document Number20263380
Prior Transfer DateMar 25, 2025
Prior Transfer Doc0000000937
Record UpdatedOct 29, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOTSEGO NY
Recording DateJul 28, 2026
Property Address435 MAIN ST, ONEONTA, NY 13820-2028
Document Number0000003380
Instrument DateJul 22, 2026
Instrument20263380
Transaction TypeTransfer
Record UpdatedAug 19, 2026

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address24 GAULT AVE, ONEONTA, NY 13820-1908

October 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOTSEGO NY
Recording DateOct 6, 2025
Property Address435 MAIN ST, ONEONTA, NY 13820-2028
Document Number0000000937
Instrument DateMar 25, 2025
Instrument2025-3937
Transaction TypeTransfer
Record UpdatedOct 29, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipIrrevocable Trust
Address194 REGAN WAY, ONEONTA, NY 13820-3291

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$4,708.00 (-35.89%)
2025$7,344.00 (+68.36%)$121,000 (-) Land $19,000 Building $102,000$170,423 (+8.45%) Land $26,761 Building $143,662
2024$4,362.00$121,000 (-) Land $19,000 Building $102,000$157,143 (+5.19%) Land $24,675 Building $132,468
2023$121,000 Land $19,000 Building $102,000$149,383 Land $23,457 Building $125,926

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 Claims3 (2006–2011)
Most Recent ClaimSep 2011 · Remnants Of Tropical Storm Lee
Claims by Event
  • Remnants Of Tropical Storm Lee, Sep 2011 · 2 claims

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
ExposureDirect
burnable vegetation

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 318 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
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

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