48 Maple St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 48 Maple St, Oneonta, NY 13820 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,523 sqft · built 1900
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Apr 2019)
Tax Bill	$5,121 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 288.18-3-54`

Property Details

APN / Parcel Number

Primary APN	`361200 288.18-3-54`
Alternative APNs	`120028801800030540000000` `3911 2240`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,523 sqft Living Area
1st Floor Area	1,561 sqft
2nd Floor Area	962 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	198 ft deep x 67 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	687 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 2240
Street Address	48 MAPLE ST
City	ONEONTA
State	NY
Zip	13820-1516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	54.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	3
Census Block	3002
Census Tract	591000

Owner

Source: Otsego County and Oneonta City records · APN 361200 288.18-3-54

Assessment roll updated April 30, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	48 MAPLE ST, ONEONTA, NY 13820-1516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 09, 2019 · Amount on Record
Deed Sale	Apr 09, 2019 · Amount on Record
Deed Document Number	20191525
Record Updated	Jun 08, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Apr 09, 2019
Property Address	48 MAPLE ST, ONEONTA, NY 13820-1516
Document Number	0000001525
Instrument Date	Mar 20, 2019
Instrument	1525
Transaction Type	Transfer
Record Updated	May 09, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 MAPLE ST ONEONTA NY 138201516, ONEONTA, NY 13820-1516

Mortgage

Document Number	1526
Date	Apr 09, 2019
Instrument	1526

Lender

Name	DELAWARE NAT'L BK/DELHI
Type	Bank
Address	WEST DAVENPORT, NY 13860

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Apr 08, 2039

Interest

Rate	4.75%

Tax Assessment & Valuation

Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,121.00	$135,000 (-) Land $23,100 Building $111,900	$190,141 (+14.08%) Land $32,535 Building $157,606
2023		$135,000 Land $23,100 Building $111,900	$166,667 Land $28,519 Building $138,148

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Otsego County (36077C), updated March 20, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360775910003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 2 individual NFIP policies nearby
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force 2 of 2 on primary residences

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach

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.