Otsego County and Oneonta City property record for 45 Ford Ave, Oneonta, NY 13820
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 2,584 sqft · built 1982 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Dec 2016) |
| Tax Bill | $4,790 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.17-5-74 |
| Primary APN | 361200 288.17-5-74 |
|---|---|
| Alternative APNs |
|
| Units | 4 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,584 sqft Gross Area |
| Basement Area | 1,292 sqft |
| Unfinished Basement | 1,292 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 131 ft deep x 55 ft wide |
| Garage Type | Detached |
| Garage Area | 748 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 3,416 sqft |
| Heating Fuel | Oil |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 1334 |
|---|---|
| Street Address | 45 FORD AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1851 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | 140 |
| Legal Block | 5 |
| Legal Lot Number | 74.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 591000 |
45 Ford Ave, a residential property, is owned by an individual who bought it in December 2016.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 139 TALLOW WOOD DR, CLIFTON PARK, NY 12065-2813 |
| Owner Type | Individual |
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 |
|---|---|
| Last Sale | Dec 23, 2016 · Amount on File |
| Deed Sale | Dec 23, 2016 · Amount on File |
| Prior Sale | Mar 3, 2007 · Amount on File |
| Deed Book / Page | 2016 / 6412 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 45 Ford Ave was $4,790, up 2.8% from the year before.
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 | $4,790.00 (+2.77%) | ||
| 2025 | $4,661.00 | $120,000 Land $22,500 Building $97,500 | $169,014 Land $31,690 Building $137,324 |
| 2023 | $120,000 Land $22,500 Building $97,500 | $148,148 Land $27,778 Building $120,370 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Ford Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 3 (2006–2011) |
| Claims Outside the SFHA | 1 of 3 |
| 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.
Wildfire risk around 45 Ford Ave 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.
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 661 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 |
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