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490 Main St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 490 Main St, Oneonta, NY 13820

Property Summary

Property TypeMixed Use Store/Office
Details1,014 sqft · built 1975
Lot Size0.2 acres (8,712 sqft)
Owner2 Individual Names on Record
Last Sale$35,000 (Dec 2020)
Tax Bill$3,966 (2026)
Deeds & MortgagesDec 2020 Sale
Flood ZoneZone X (minimal risk)
APN361200 300.7-3-14

Property Details

APN / Parcel Number

Primary APN361200 300.7-3-14
Alternative APNs
  • 120030000700030140000000
  • 3911 2166

Interior

Stories1 Story
Building Area1,014 sqft Gross Area

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1975
Lot Area8,712 sqft (0.2 acres)
Lot Dimensions96 ft deep x 102 ft wide

Utilities, Heating & Cooling

Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number3911 2166
Street Address490 MAIN ST
CityONEONTA
StateNY
Zip13820-2029
Property CategoryCommercial
Property TypeCommercial > Retail > Mixed Use Store/Office
Local Zoning Code420
Legal Block3
Legal Lot Number14.000
JurisdictionOTSEGO NY
Township / Civil DivisionONEONTA
Census Block Group2
Census Block2014
Census Tract590900

Owner

Source: Otsego County and Oneonta City records, as of September 23, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address14 BROOK ST, ONEONTA, NY 13820-1419
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 11, 2020 · Amount on Record
Deed SaleDec 11, 2020 · Amount on Record
Deed Document Number20205651
Prior Transfer DateNov 30, 2020
Prior Transfer Doc0000000651
Record UpdatedOct 29, 2026

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOTSEGO NY
Recording DateDec 11, 2020
Property Address490 MAIN ST, ONEONTA, NY 13820-2029
Document Number0000005651
Instrument DateNov 30, 2020
Instrument5651
Transaction TypeTransfer
Record UpdatedDec 24, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$140.00
Amount AccuracyConfirmed
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address14 BROOK ST ONEONTA NY 138201419, ONEONTA, NY 13820-1419

Tax Assessment & Valuation

Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026

Property Jurisdictions

TypeName
StateNew York
CountyOtsego County
MunicipalityOneonta City
Unified School DistrictOneonta City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,966.00 (+2.69%)
2025$3,862.00$100,000 (-) Land $15,000 Building $85,000$140,845 (+14.08%) Land $21,127 Building $119,718
2023$100,000 Land $15,000 Building $85,000$123,457 Land $18,519 Building $104,938

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 20, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims5 (1986–2011)
Claims Outside the SFHA4 of 5
Most Recent ClaimAug 2011 · Hurricane Irene
Claims by Event
  • Severe Storms And Flooding, Jun 2006 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemONEONTA CITY
serves 15,954 people · EPA ID NY3800154
Water SourceSurface water
Last State InspectionOct 2024
Lead6 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 223 locations within half a mile, as of December 31, 2025

ProviderMax 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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