Otsego County and Oneonta City property record for 49 Union St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,105 sqft · built 1927 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $150,000 (Jul 2017) |
| Tax Bill | $5,441 (2026) |
| Deeds & Mortgages | Jun 2021 Refinance Jul 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.14-3-31 |
| Primary APN | 361200 288.14-3-31 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,105 sqft Living Area |
| 1st Floor Area | 884 sqft |
| Attic | Attic |
| Attic Area | 221 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Bungalow |
| Exterior Material | Concrete |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 110 ft deep x 51 ft wide |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 163 sqft |
| Patio Area | 164 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3263 |
|---|---|
| Street Address | 49 UNION ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1647 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Description | MRS RYNDES + 2/02 |
| Legal Block | 3 |
| Legal Lot Number | 31.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 591000 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 49 UNION ST, ONEONTA, NY 13820-1647 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 3, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA |
| Jul 12, 2017 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2017 · Amount on Record |
| Deed Sale | Jul 12, 2017 · Amount on Record |
| Prior Sale | Jul 29, 2008 · Amount on Record |
| Deed Book / Page | 2017 / 3208 |
| Prior Transfer Date | Aug 10, 2007 |
| Prior Transfer Doc | 0011060942 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 49 UNION ST, ONEONTA, NY 13820-1647 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66 |
|---|---|
| Date | Jun 3, 2021 |
| Instrument | 2021-3066 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jul 12, 2017 |
| Property Address | 49 UNION ST, ONEONTA, NY 13820-1647 |
| Document Number | 0000003208 |
| Instrument | 3208 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 49 UNION ST ONEONTA NY 138201647, ONEONTA, NY 13820-1647 |
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 | $5,441.00 (+2.47%) | ||
| 2025 | $5,310.00 | $140,000 (-) Land $14,100 Building $125,900 | $197,183 (+14.08%) Land $19,859 Building $177,324 |
| 2023 | $140,000 Land $14,100 Building $125,900 | $172,840 Land $17,407 Building $155,433 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
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 661 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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