493 Main St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 493 Main St, Oneonta, NY 13820

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,344 sqft · built 1900
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (May 2023)
Tax Bill	$2,973 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 288.19-3-15`

Property Details

APN / Parcel Number

Primary APN	`361200 288.19-3-15`
Alternative APNs	`120028801900030150000000` `3911 2063`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,344 sqft Total Area
1st Floor Area	672 sqft
2nd Floor Area	672 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	198 ft deep x 50 ft wide
Porch	Slab
Porch Area	138 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 2063
Street Address	493 MAIN ST
City	ONEONTA
State	NY
Zip	13820-2013
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	220
Legal Block	3
Legal Lot Number	15.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1000
Census Tract	590900

Owner

493 Main St, a duplex, is owned by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	10 MAX WAY, COMMACK, NY 11725-1351
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2023 · Amount on File
Deed Sale	May 25, 2023 · Amount on File
Prior Sale	May 15, 2008 · Amount on File
Deed Document Number	20232047
Record Updated	Oct 29, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	OTSEGO NY
Recording Date	May 25, 2023
Property Address	493 MAIN ST, ONEONTA, NY 13820-2013
Document Number	0000000047
Instrument Date	May 18, 2023
Instrument	2023-2047
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 MAX WAY, COMMACK, NY 11725-1351

Mortgage

Document Number	0000000048
Date	May 25, 2023
Instrument	2023-2048

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 493 Main St was $2,973, up 2.7% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,973.00 (+2.69%)
2025	$2,895.00	$75,000 Land $21,100 Building $53,900	$105,634 Land $29,718 Building $75,916
2023		$75,000 Land $21,100 Building $53,900	$92,593 Land $26,049 Building $66,544

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

Flood

FEMA maps place 493 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Remnants Of Tropical Storm Lee, Sep 2011 · 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

Wildfire risk around 493 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 223 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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