5 James St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 5 James St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,420 sqft · built 1930
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$143,000 (Aug 2011)
Tax Bill	$5,017 (2026)
Deeds & Mortgages	Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`361200 299.7-7-32`

Property Details

APN / Parcel Number

Primary APN	`361200 299.7-7-32`
Alternative APNs	`120029900700070320000000` `3911 1811`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,420 sqft Living Area
1st Floor Area	796 sqft
2nd Floor Area	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	86 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	376 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 1811
Street Address	5 JAMES ST
City	ONEONTA
State	NY
Zip	13820-1213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	7
Legal Lot Number	32.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1031
Census Tract	591100

Owner

5 James St is owned and occupied by two individuals who bought it in August 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	5 JAMES ST, ONEONTA, NY 13820-1213
Occupancy	Owner Occupied
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	Aug 2, 2011 · Amount on File
Deed Sale	Aug 2, 2011 · Amount on File
Prior Sale	Jan 7, 2008 · Amount on File
Deed Book / Page	2011 / 3547
Prior Transfer Date	Aug 1, 2011
Prior Transfer Doc	2011003547
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	5 JAMES ST, ONEONTA, NY 13820-1213
Document Number	0000005143
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	Dec 11, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 JAMES ST ONEONTA NY 138201213, ONEONTA, NY 13820-1213

Mortgage

Document Number	0000005143
Date	Nov 17, 2020
Instrument	5143

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 16, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 5 James St was $5,017 with a homeowner's exemption, down 6.5% 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	$5,017.00 (-6.52%) Homeowner's exemption
2025	$5,367.00	$129,000 Land $18,300 Building $110,700	$181,690 Land $25,775 Building $155,915
2023		$129,000 Land $18,300 Building $110,700	$159,259 Land $22,593 Building $136,666

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

Flood

FEMA maps place 5 James St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1978.

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	5 in force
Nearby Flood Claims	11 (1978–2011)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Severe Storms And Flooding, Jun 2006 · 3 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 5 James 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	Direct burnable vegetation

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 376 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