Otsego County and Oneonta City property record for 48 Union St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,496 sqft · built 1928 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (Dec 2025) |
| Tax Bill | $6,791 (2026) |
| Deeds & Mortgages | Dec 2025 Sale Sep 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.14-3-59 |
| Primary APN | 361200 288.14-3-59 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,496 sqft Living Area |
| 1st Floor Area | 951 sqft |
| 2nd Floor Area | 545 sqft |
| Upper Floors Area | 445 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Stucco |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 113 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 242 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3290 |
|---|---|
| Street Address | 48 UNION ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1648 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 3 |
| Legal Lot Number | 59.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 591000 |
48 Union St is owned by two individuals who bought it in December 2025.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 154 WELLS BRIDGE RD, OTEGO, NY 13825-3245 |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
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 |
|---|---|
| Dec 19, 2025 | Warranty Deed, Transfer |
| Sep 18, 2018 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 19, 2025 · Amount on File |
| Deed Sale | Dec 19, 2025 · Amount on File |
| Prior Sale | Jul 20, 2011 · Amount on File |
| Deed Document Number | 20255107 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Dec 19, 2025 |
| Property Address | 48 UNION ST, ONEONTA, NY 13820-1648 |
| Document Number | 0000000107 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 2025-5107 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 154 WELLS BRIDGE RD, OTEGO, NY 13825-3245 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Sep 18, 2018 |
| Property Address | 48 UNION ST, ONEONTA, NY 13820-1648 |
| Document Number | 0000004415 |
| Instrument Date | Sep 14, 2018 |
| Instrument | 4415 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2019 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 48 UNION ST ONEONTA NY 138201648, ONEONTA, NY 13820-1648 |
The 2026 property tax bill for 48 Union St was $6,791, up 2.5% 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 | $6,791.00 (+2.46%) | ||
| 2025 | $6,628.00 (+5.29%) | $175,000 (-) Land $14,100 Building $160,900 | $246,479 (+8.45%) Land $19,859 Building $226,620 |
| 2024 | $6,295.00 | $175,000 (-) Land $14,100 Building $160,900 | $227,273 (+5.2%) Land $18,312 Building $208,961 |
| 2023 | $175,000 Land $14,100 Building $160,900 | $216,049 Land $17,407 Building $198,642 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Union St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 | 1 (1979) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1979 · tidal / storm surge |
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 48 Union 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 122 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 |
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