495 Main St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 495 Main St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,348 sqft · built 1920
Lot Size	0.22 acres (9,583 sqft)
Owner	Company Name on File
Tax Bill	$3,576 (2025)
Deeds & Mortgages	Jul 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`361200 288.19-3-16`

Property Details

APN / Parcel Number

Primary APN	`361200 288.19-3-16`
Alternative APNs	`120028801900030160000000` `3911 2064`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,348 sqft Living Area
1st Floor Area	674 sqft
2nd Floor Area	674 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1948
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	198 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	345 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	228 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 2064
Street Address	495 MAIN ST
City	ONEONTA
State	NY
Zip	13820-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	220
Legal Description	0308060 0896080 LOT 2
Legal Block	3
Legal Lot Number	16.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1000
Census Tract	590900

Owner

Source: Otsego County and Oneonta City records · APN 361200 288.19-3-16

Assessment roll updated April 30, 2026 · Last verified May 2026

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

Owner of Record	Company Name on File
Mailing Address	3949 STATE HIGHWAY 23, WEST ONEONTA, NY 13861-6947
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO NY
Recording Date	Jul 24, 2018
Property Address	495 MAIN ST, ONEONTA, NY 13820-2013
Document Number	0000003343
Instrument Date	May 16, 2016
Instrument	3343
Transaction Type	Transfer
Record Updated	Aug 30, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 12861 ALBANY NY 122122861, ALBANY, NY 12212-2861

Tax Assessment & Valuation

Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,576.00	$94,000 (-) Land $18,700 Building $75,300	$132,394 (+14.08%) Land $26,338 Building $106,056
2023		$94,000 Land $18,700 Building $75,300	$116,049 Land $23,086 Building $92,963

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 20, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 223 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ONEONTA CITY serves 15,954 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.