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5 Monroe Ave, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 5 Monroe Ave, Oneonta, NY 13820

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,752 sqft · built 1940
Lot Size0.45 acres (19,602 sqft)
Owner2 Individual Names on Record
Last Sale$150,000 (Nov 2019)
Tax Bill$5,403 (2026)
Deeds & MortgagesJul 2021 Refinance
Nov 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN361200 288.13-2-33

Property Details

APN / Parcel Number

Primary APN361200 288.13-2-33
Alternative APNs
  • 120028801300020330000000
  • 3911 2345

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,752 sqft Living Area
1st Floor Area1,168 sqft
Upper Floors Area584 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1981
Architectural StyleTraditional
Exterior MaterialWood
Foundation TypeSlab (Mat/Raft)
Lot Area19,602 sqft (0.45 acres)
Lot Dimensions85 ft deep x 200 ft wide
Garage TypeDetached
Garage Area288 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area115 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number3911 2345
Street Address5 MONROE AVE
CityONEONTA
StateNY
Zip13820-1422
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code110
Legal DescriptionAKA 5 MONROE AVE
Legal Block2
Legal Lot Number33.000
JurisdictionOTSEGO NY
Township / Civil DivisionONEONTA
Census Block Group1
Census Block1002
Census Tract591700

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address5 MONROE AVE, ONEONTA, NY 13820-1422
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 13, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
CALIBER HOME LOANS INC
Nov 13, 2019Warranty Deed, Transfer · VA Mortgage
VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 13, 2019 · Amount on Record
Deed SaleNov 13, 2019 · Amount on Record
Deed Document Number20195346
Record UpdatedOct 29, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOTSEGO NY
Property Address5 MONROE AVE, ONEONTA, NY 13820-1422
Transaction TypeMortgage
Record UpdatedAug 18, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number882
DateJul 13, 2021
Instrument2021-3882
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueAug 1, 2051

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOTSEGO NY
Recording DateNov 13, 2019
Property Address5 MONROE AVE, ONEONTA, NY 13820-1422
Document Number0000005346
Instrument DateOct 31, 2019
Instrument5346
Transaction TypeTransfer
Record UpdatedNov 29, 2019
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$600.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1 MONROE AVE ONEONTA NY 138201422, ONEONTA, NY 13820-1422

Mortgage

Document Number5347
DateNov 13, 2019
Instrument5347
Lender
NameVETERANS UNITED HM LNS
TypeFunding / Finance Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 12, 2049

Tax Assessment & Valuation

Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026

Property Jurisdictions

TypeName
StateNew York
CountyOtsego County
MunicipalityOneonta City
Unified School DistrictOneonta City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$5,403.00 (+2.48%)
2025$5,272.00$139,000 (-) Land $28,500 Building $110,500$195,775 (+14.08%) Land $40,141 Building $155,634
2023$139,000 Land $28,500 Building $110,500$171,605 Land $35,185 Building $136,420

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 20, 2017

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemONEONTA CITY
serves 15,954 people · EPA ID NY3800154
Water SourceSurface water
Last State InspectionOct 2024
Lead6 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 103 locations within half a mile, as of December 31, 2025

ProviderMax 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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