Otsego County and Oneonta City property record for 454 Main St, Oneonta, NY 13820
| Property Type | Office Building |
|---|---|
| Details | 2,723 sqft · built 1985 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $116,000 (Dec 1999) |
| Tax Bill | $5,892 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.19-1-83 |
| Primary APN | 361200 288.19-1-83 |
|---|---|
| Alternative APNs |
|
| Units | 2 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,723 sqft Gross Area |
| Basement Area | 576 sqft |
| Unfinished Basement | 576 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 100 ft deep x 110 ft wide |
| Porch | Slab |
| Porch Area | 765 sqft |
| Heating Fuel | Oil |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2157 |
|---|---|
| Street Address | 454 MAIN ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2176 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Local Zoning Code | 420 |
| Legal Block | 1 |
| Legal Lot Number | 83.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 590900 |
454 Main St, a commercial property, is owned by an individual who acquired it in May 2025.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8 BUENA VISTA AVE, ONEONTA, NY 13820-1208 |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 29, 1999 · Amount on File |
| Deed Sale | Dec 29, 1999 · Amount on File |
| Prior Sale | Mar 19, 1998 · Amount on File |
| Deed Book / Page | 887 / 135 |
| Last Transfer Date | May 6, 2025 |
| Transfer Doc | 0000000815 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 454 Main St was $5,892, up 2.6% 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 | $5,892.00 (+2.58%) | ||
| 2025 | $5,744.00 | $150,000 Land $15,000 Building $135,000 | $211,268 Land $21,127 Building $190,141 |
| 2023 | $150,000 Land $15,000 Building $135,000 | $185,185 Land $18,518 Building $166,667 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 454 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 454 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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