471 Oneill Rd, Cherry Valley, NY 13320 Property Records

Otsego County and Cherry Valley Town property record for 471 Oneill Rd, Cherry Valley, NY 13320

Property Summary

Property Type	Rural Home
Details	1 bd · 1 ba · 616 sqft · built 1975
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Sep 2026)
Tax Bill	$1,456 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`362489 73.00-1-35.02`

Property Details

APN / Parcel Number

Primary APN	`362489 73.00-1-35.02`
Alternative APNs	`248907300000010350020000` `183280`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	616 sqft Living Area
1st Floor Area	616 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	183280
Street Address	471 ONEILL RD
City	CHERRY VALLEY
State	NY
Zip	13320-2603
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	987 0 0
Legal Block	1
Legal Lot Number	35.002
Jurisdiction	OTSEGO NY
Township / Civil Division	CHERRY VALLEY
Census Block Group	3
Census Block	3053
Census Tract	590101

Owner

471 Oneill Rd, a rural home, is owned and occupied by an individual who bought it in September 2026.

Source: Otsego County and Cherry Valley Town records, as of October 7, 2026

Owner of Record	Individual Name on File
Mailing Address	410 ONEILL RD, CHERRY VALLEY, NY 13320-2602
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK NATIONAL ASSOCIATION
Sep 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK NATIONAL ASSOCIATION
Jun 22, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2026 · Amount on File
Deed Sale	Sep 14, 2026 · Amount on File
Prior Sale	Jun 22, 2021 · Amount on File
Deed Document Number	20264123
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Sep 14, 2026
Property Address	471 ONEILL RD, CHERRY VALLEY, NY 13320-2603
Document Number	0000004123
Instrument Date	Sep 8, 2026
Instrument	20264123
Transaction Type	Transfer
Record Updated	Oct 6, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 ONEILL RD, CHERRY VALLEY, NY 13320-2602

Mortgage

Document Number	0000004124,
Date	Sep 14, 2026
Instrument	20264124

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Recording Date	Sep 14, 2026
Property Address	471 ONEILL RD, CHERRY VALLEY, NY 13320-2603
Document Number	0000004124
Instrument Date	Sep 8, 2026
Instrument	20264124
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	471 ONEILL RD, CHERRY VALLEY, NY 13320-2603

Mortgage

Document Number	0000004124,
Date	Sep 14, 2026
Instrument	20264124

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Jun 22, 2021
Property Address	471 ONEILL RD, CHERRY VALLEY, NY 13320-2603
Document Number	469
Instrument Date	Mar 27, 2021
Instrument	2021-3469
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	471 ONEILL RD, CHERRY VALLEY, NY 13320-2603

Tax Assessment & Valuation

The 2026 property tax bill for 471 Oneill Rd was $1,456 with a homeowner's exemption, up 12.3% from the year before.

Source: Otsego County and Cherry Valley Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Cherry Valley Town
Unified School District	Cherry Valley-Springfield Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,456.00 (+12.26%) Homeowner's exemption
2025	$1,297.00	$52,500 Land $15,600 Building $36,900	$75,000 Land $22,286 Building $52,714
2023		$52,500 Land $15,600 Building $36,900	$63,375 Land $18,831 Building $44,544

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 471 Oneill Rd 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
Nearby Flood Policies	6 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

Wildfire risk around 471 Oneill Rd 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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