Otsego County and Oneonta City property record for 485 Main St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,006 sqft · built 1920 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on File |
| Last Sale | $71,000 (May 2011) |
| Tax Bill | $2,940 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.19-2-53.2 |
| Primary APN | 361200 288.19-2-53.2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,006 sqft Living Area |
| 1st Floor Area | 1,006 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 16,553 sqft (0.38 acres) |
| Lot Dimensions | 153 ft deep x 105 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 36 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2059 |
|---|---|
| Street Address | 485 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 | 53.002 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 590900 |
485 Main St is owned and occupied by an individual who bought it in May 2011.
Source: Otsego County and Oneonta City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 485 MAIN ST, ONEONTA, NY 13820-2040 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2011 · Amount on File |
| Deed Sale | May 26, 2011 · Amount on File |
| Prior Sale | Feb 6, 2008 · Amount on File |
| Deed Book / Page | 2011 / 2444 |
| Prior Transfer Date | Jan 31, 2008 |
| Prior Transfer Doc | 1112000220 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 485 Main St was $2,940, down 13.8% 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 | $2,940.00 (-13.81%) | ||
| 2025 | $3,411.00 | $74,000 Land $24,000 Building $50,000 | $104,225 Land $33,803 Building $70,422 |
| 2023 | $74,000 Land $24,000 Building $50,000 | $91,358 Land $29,630 Building $61,728 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 485 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 |
|
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 485 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.
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 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.
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