Otsego County and Oneonta City property record for 448 Main St, Oneonta, NY 13820
| Property Type | Commercial |
|---|---|
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Company Name on File |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.19-1-81 |
| Primary APN | 361200 288.19-1-81 |
|---|---|
| Alternative APNs |
|
| Lot Area | 10,454 sqft (0.24 acres) |
|---|---|
| Lot Dimensions | 165 ft deep x 66 ft wide |
| Heating Fuel | Oil |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2155 |
|---|---|
| Street Address | 448 MAIN ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | 420 |
| Legal Block | 1 |
| Legal Lot Number | 81.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 590900 |
448 Main St, a commercial property, is owned by a company.
Source: Otsego County and Oneonta City records, as of April 30, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 449 MAIN ST, 451, ONEONTA, NY 13820-2028 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $27,000 Land $19,000 Building $8,000 | $38,028 Land $26,760 Building $11,268 |
| 2023 | $27,000 Land $19,000 Building $8,000 | $33,333 Land $23,457 Building $9,876 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 448 Main St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1986.
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 | 1 in force |
| Nearby Flood Claims | 5 (1986–2011) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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.
Wildfire risk around 448 Main 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 |
| Adjoins Burnable Land | Yes |
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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