5 Normal Ave, Oneonta, NY 13820 Property Records

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

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,103 sqft · built 1900
Lot Size	0.13 acres (5,663 sqft)
Owner	Company Name on File
Last Sale	$70,000 (Aug 2003)
Tax Bill	$11,016 (2025)
Deeds & Mortgages	Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 288.14-1-39`

Property Details

APN / Parcel Number

Primary APN	`361200 288.14-1-39`
Alternative APNs	`120028801400010390000000` `3911 2444`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,103 sqft Total Area
1st Floor Area	1,065 sqft
2nd Floor Area	1,038 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	120 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	16 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 2444
Street Address	5 NORMAL AVE
City	ONEONTA
State	NY
Zip	13820-1517
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	120
Legal Block	1
Legal Lot Number	39.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1018
Census Tract	591000

Owner

Source: Otsego County and Oneonta City assessment roll, as of April 30, 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	2427 CRESCENT ST, ASTORIA, NY 11102-2838
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 20, 2003 · Amount on Record
Deed Sale	Aug 20, 2003 · Amount on Record
Prior Sale	Aug 21, 1997
Deed Book / Page	1015 / 53
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	5 NORMAL AVE, ONEONTA, NY 13820-1517
Document Number	0000001896
Instrument Date	Apr 5, 2019
Transaction Type	Mortgage
Record Updated	May 21, 2019
Title Company	ADVANTAGE ABSTRACT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2427 CRESCENT ST ASTORIA NY 111022838, ASTORIA, NY 11102-2838

Mortgage

Document Number	0000001896
Date	May 2, 2019
Instrument	1896

Lender

Name	DELAWARE NAT'L BK/DELHI
Type	Bank
Address	WEST DAVENPORT, NY 13860

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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
2025	$11,016.00	$169,000 (-) Land $14,100 Building $154,900	$238,028 (+14.08%) Land $19,859 Building $218,169
2023		$169,000 Land $14,100 Building $154,900	$208,642 Land $17,407 Building $191,235

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 · 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	2 in force
Nearby Flood Claims	1 (1979)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1979 · tidal / storm surge

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

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

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 661 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 USA Fixed Wireless	100 / 20