44 River St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 44 River St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,228 sqft · built 1890
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$69,500 (Jan 2005)
Tax Bill	$4,361 (2026)
Deeds & Mortgages	Jan 2019 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`361200 300.9-1-28`

Property Details

APN / Parcel Number

Primary APN	`361200 300.9-1-28`
Alternative APNs	`120030000900010280000000` `3911 2801`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,228 sqft Living Area
1st Floor Area	1,448 sqft
2nd Floor Area	780 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1975
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	126 ft deep x 87 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	152 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 2801
Street Address	44 RIVER ST
City	ONEONTA
State	NY
Zip	13820-2853
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	1
Legal Lot Number	28.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1000
Census Tract	591100

Owner

44 River St is owned and occupied by an individual who bought it in January 2005.

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 Record	Individual Name on File
Mailing Address	44 RIVER ST, ONEONTA, NY 13820-2853
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2005 · Amount on File
Deed Sale	Jan 19, 2005 · Amount on File
Deed Book / Page	1073 / 63
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	44 RIVER ST, ONEONTA, NY 13820-2853
Document Number	0000000122
Instrument Date	Jan 4, 2019
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 COUNTRY CLUB RD #1 ONEONTA NY 138201004, 1, ONEONTA, NY 13820-1004

Mortgage

Document Number	0000000122
Date	Jan 8, 2019
Instrument	122

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 44 River St was $4,361, up 1.4% from the year before.

Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
Municipality	Oneonta City
Unified School District	Oneonta City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,361.00 (+1.42%)
2025	$4,300.00	$112,000 Land $19,500 Building $92,500	$157,746 Land $27,465 Building $130,281
2023		$112,000 Land $19,500 Building $92,500	$138,272 Land $24,074 Building $114,198

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 44 River St in Zone X, an area of moderate flood risk, though there have been 11 flood claims nearby since 1978.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	11 (1978–2011)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Severe Storms And Flooding, Jun 2006 · 3 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

Wildfire risk around 44 River St is low, with a 0.01% annual chance of 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	Indirect within ember reach

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 257 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20