435 Ymca Rd, West Oneonta, NY 13861 Property Records

Otsego County and Laurens Town property record for 435 Ymca Rd, West Oneonta, NY 13861

Property Summary

Property Type	Mobile Home
Details	1,200 sqft · built 1987
Lot Size	45.7 acres (1,993,306 sqft)
Owner	Individual Name on Record
Last Sale	$196,000 (Jan 2022)
Tax Bill	$3,883 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`363489 256.00-1-1.01`

Property Details

APN / Parcel Number

Primary APN	`363489 256.00-1-1.01`
Alternative APNs	`348925600000010010010000` `008520`

Interior

Building Area	1,200 sqft Living Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Mobile Home
Lot Area	1,993,306 sqft (45.7 acres)
Lot Width	2,068 ft Width
Garage Type	Detached
Garage Area	1,280 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	96 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	008520
Street Address	435 YMCA RD
City	WEST ONEONTA
State	NY
Zip	13861-6939
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	07 - MIXED
Legal Block	1
Legal Lot Number	1.001
Jurisdiction	OTSEGO NY
Township / Civil Division	LAURENS
Census Block Group	2
Census Block	2055
Census Tract	591402

Owner

Source: Otsego County and Laurens Town 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	427 STEWART AVE, STATEN ISLAND, NY 10314-1937
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA
Jun 24, 2019	Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2022 · Amount on Record
Deed Sale	Jan 6, 2022 · Amount on Record
Prior Sale	Jun 24, 2019 · Amount on Record
Deed Document Number	2022146
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Jan 6, 2022
Property Address	435 YMCA RD, WEST ONEONTA, NY 13861-6939
Document Number	0000000046
Instrument Date	Dec 17, 2021
Instrument	2022-146
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 STEWART AVE, STATEN ISLAND, NY 10314-1937

Mortgage

Document Number	0000000047
Date	Jan 6, 2022
Instrument	2022-147

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Jun 24, 2019
Property Address	435 YMCA RD, WEST ONEONTA, NY 13861-6939
Document Number	0000002755
Instrument Date	Jun 3, 2019
Instrument	2755
Transaction Type	Transfer
Record Updated	Jul 17, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$638.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 YMCA RD LAURENS NY 13796, LAURENS, NY 13796

Mortgage

Document Number	2756
Date	Jun 24, 2019
Instrument	2756

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2049

Tax Assessment & Valuation

Source: Otsego County and Laurens Town assessment roll, as of April 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,883.00 (+16.43%)
2025	$3,335.00	$107,600 (-) Land $63,200 Building $44,400	$161,805 (+12.99%) Land $95,038 Building $66,767
2023		$107,600 Land $63,200 Building $44,400	$143,199 Land $84,109 Building $59,090

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: OEConnect.

Cell Coverage

No cell data coverage reported

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