Otsego County and Oneonta City property record for 5 Miller St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,500 sqft · built 1959 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $50,000 (Oct 1996) |
| Tax Bill | $4,940 (2026) |
| Deeds & Mortgages | Jun 2023 Refinance |
| Flood Zone | Zone X (moderate risk) |
| APN | 361200 299.16-3-53 |
| Primary APN | 361200 299.16-3-53 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,500 sqft Living Area |
| 1st Floor Area | 1,110 sqft |
| 2nd Floor Area | 390 sqft |
| Upper Floors Area | 195 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 165 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 32 sqft |
| Patio Area | 128 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2290 |
|---|---|
| Street Address | 5 MILLER ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 3 |
| Legal Lot Number | 53.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 591100 |
5 Miller St is owned and occupied by two individuals who bought it in October 1996.
Source: Otsego County and Oneonta City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5 MILLER ST, ONEONTA, NY 13820-2211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 1996 · Amount on File |
| Deed Sale | Oct 2, 1996 · Amount on File |
| Deed Book / Page | 789 / 677 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 5 MILLER ST, ONEONTA, NY 13820-2211 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000000312 |
|---|---|
| Date | Jun 12, 2023 |
| Instrument | 2023-2312 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
The 2026 property tax bill for 5 Miller St was $4,940, 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 | $4,940.00 (+2.49%) | ||
| 2025 | $4,820.00 | $127,000 Land $15,900 Building $111,100 | $178,873 Land $22,394 Building $156,479 |
| 2023 | $127,000 Land $15,900 Building $111,100 | $156,790 Land $19,630 Building $137,160 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 Miller St in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AO, within 500 ft |
| 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 |
|
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 Miller 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.
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 180 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 |
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