Otsego County and Oneonta City property record for 5 Birch St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,198 sqft · built 1915 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,000 (Dec 2025) |
| Tax Bill | $3,319 (2026) |
| Deeds & Mortgages | Apr 2022 Refinance Dec 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.17-4-66 |
| Primary APN | 361200 288.17-4-66 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,198 sqft Living Area |
| 1st Floor Area | 599 sqft |
| 2nd Floor Area | 599 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,178 sqft (0.05 acres) |
| Lot Dimensions | 56 ft deep x 43 ft wide |
| Garage Type | Attached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 133 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 0113 |
|---|---|
| Street Address | 5 BIRCH ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1701 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 130 |
| Legal Block | 4 |
| Legal Lot Number | 66.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 591000 |
5 Birch St is owned by two individuals who bought it in December 2025.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2 BROWNE ST, ONEONTA, NY 13820 |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 6, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Dec 26, 2025 | Warranty Deed, Transfer PLAZA HOME MORTGAGE INC |
| Aug 20, 2018 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 26, 2025 · Amount on File |
| Deed Sale | Dec 26, 2025 · Amount on File |
| Deed Document Number | 20255181 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 5 BIRCH ST, ONEONTA, NY 13820-1701 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000000882 |
|---|---|
| Date | Apr 6, 2022 |
| Instrument | 2022-1882 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Dec 26, 2025 |
| Property Address | 5 BIRCH ST, ONEONTA, NY 13820-1701 |
| Document Number | 0000000181 |
| Instrument Date | Dec 24, 2025 |
| Instrument | 2025-5181 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2 BROWNE ST, ONEONTA, NY 13820 |
| Document Number | 0000000182 |
|---|---|
| Date | Dec 26, 2025 |
| Instrument | 2025-5182 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 349 Months |
| Due | Jan 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 20, 2018 |
| Property Address | 5 BIRCH ST, ONEONTA, NY 13820-1701 |
| Document Number | 0000003821 |
| Instrument Date | Aug 14, 2018 |
| Instrument | 3821 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 BIRCH ST ONEONTA NY 138201701, ONEONTA, NY 13820-1701 |
The 2026 property tax bill for 5 Birch St was $3,319, up 2.5% 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 | $3,319.00 (+2.53%) | ||
| 2025 | $3,237.00 (+5.34%) | $85,000 (-) Land $6,000 Building $79,000 | $119,718 (+8.45%) Land $8,451 Building $111,267 |
| 2024 | $3,073.00 | $85,000 (-) Land $6,000 Building $79,000 | $110,390 (+5.2%) Land $7,792 Building $102,598 |
| 2023 | $85,000 Land $6,000 Building $79,000 | $104,938 Land $7,407 Building $97,531 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 Birch 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 | 7 in force |
| Nearby Flood Claims | 3 (2006–2011) |
| Claims Outside the SFHA | 1 of 3 |
| 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 5 Birch 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 |
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 393 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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