Otsego County and Oneonta City property record for 46 Ford Ave, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,574 sqft · built 1909 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $143,000 (Oct 2016) |
| Tax Bill | $6,174 (2026) |
| Deeds & Mortgages | Oct 2021 Refinance Oct 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.18-4-5 |
| Primary APN | 361200 288.18-4-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,574 sqft Living Area |
| 1st Floor Area | 1,443 sqft |
| 2nd Floor Area | 1,131 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 183 ft deep x 59 ft wide |
| Garage Type | Carport |
| Garage Area | 240 sqft |
| Carport | Carport |
| Carport Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 286 sqft |
| Patio Area | 256 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 1370 |
|---|---|
| Street Address | 46 FORD AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1837 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 140 |
| Legal Block | 4 |
| Legal Lot Number | 5.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 591000 |
46 Ford Ave is owned and occupied by an individual who acquired it in June 2021.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 46 FORD AVE, ONEONTA, NY 13820-1837 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Oct 6, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA |
| Oct 6, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance COMMUNITY BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2016 · Amount on File |
| Deed Sale | Oct 7, 2016 · Amount on File |
| Prior Sale | Aug 22, 2013 · Amount on File |
| Deed Book / Page | 2016 / 4903 |
| Last Transfer Date | Jun 25, 2021 |
| Transfer Doc | 0000000551 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 46 FORD AVE, ONEONTA, NY 13820-1837 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000000552 |
|---|---|
| Date | Oct 6, 2021 |
| Instrument | 2021-5552 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 6, 2021 |
| Property Address | 46 FORD AVE, ONEONTA, NY 13820-1837 |
| Document Number | 551 |
| Instrument Date | Jun 25, 2021 |
| Instrument | 2021-5551 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 FORD AVE, ONEONTA, NY 13820-1837 |
| Document Number | 552 |
|---|---|
| Date | Oct 6, 2021 |
| Instrument | 2021-5552 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
The 2026 property tax bill for 46 Ford Ave was $6,174, down 6.2% 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 | $6,174.00 (-6.24%) | ||
| 2025 | $6,585.00 | $159,000 Land $22,500 Building $136,500 | $223,944 Land $31,690 Building $192,254 |
| 2023 | $159,000 Land $22,500 Building $136,500 | $196,296 Land $27,778 Building $168,518 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Ford Ave in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 46 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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