467 Main St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 467 Main St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,667 sqft · built 1870
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on File
Last Sale	$99,000 (Oct 2013)
Tax Bill	$3,762 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Jul 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`361200 288.19-2-48`

Property Details

APN / Parcel Number

Primary APN	`361200 288.19-2-48`
Alternative APNs	`120028801900020480000000` `3911 2054`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,667 sqft Living Area
1st Floor Area	991 sqft
2nd Floor Area	676 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1975
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	25,265 sqft (0.58 acres)
Lot Dimensions	164 ft deep x 158 ft wide
Porch	Slab
Porch Area	208 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 2054
Street Address	467 MAIN ST
City	ONEONTA
State	NY
Zip	13820-2040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	220
Legal Block	2
Legal Lot Number	48.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1001
Census Tract	590900

Owner

467 Main St is owned and occupied by two individuals who bought it in October 2013.

Source: Otsego County and Oneonta City records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	467 MAIN ST, ONEONTA, NY 13820-2040
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · Line of Credit SIDNEY FEDERAL CREDIT UNION
Jul 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2013 · Amount on File
Deed Sale	Oct 22, 2013 · Amount on File
Prior Sale	Aug 3, 1999 · Amount on File
Deed Book / Page	2013 / 5885
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Recording Date	Aug 4, 2026
Property Address	467 MAIN ST, ONEONTA, NY 13820-2040
Document Number	0000003490
Instrument Date	Jul 29, 2026
Instrument	20263490
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	467 MAIN ST, ONEONTA, NY 13820-2040

Mortgage

Document Number	0000003490,
Date	Aug 4, 2026
Instrument	20263490

Lender

Name	SIDNEY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	467 MAIN ST, ONEONTA, NY 13820-2040
Transaction Type	Mortgage
Record Updated	Jan 17, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000117
Date	Jul 23, 2021
Instrument	2021-4117

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 467 Main St was $3,762 with exemptions applied, up 19.4% 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	$3,762.00 (+19.35%) Homeowner's exemption Disabled Person's exemption Veteran's exemption
2025	$3,152.00	$108,000 Land $28,500 Building $79,500	$152,113 Land $40,141 Building $111,972
2023		$108,000 Land $28,500 Building $79,500	$133,333 Land $35,185 Building $98,148

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

Flood

FEMA maps place 467 Main St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2006.

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
Nearby Flood Claims	3 (2006–2011)
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 2 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 467 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.

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 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.

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures