Otsego County and Oneonta City property record for 503 Main St, Oneonta, NY 13820 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,832 sqft · built 1900 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $193,000 (Apr 2026) |
| Tax Bill | $6,514 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Oct 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.19-3-20 |
| Primary APN | 361200 288.19-3-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,832 sqft Living Area |
| 1st Floor Area | 916 sqft |
| 2nd Floor Area | 916 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 198 ft deep x 60 ft wide |
| Porch | Slab |
| Porch Area | 470 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2068 |
|---|---|
| Street Address | 503 MAIN ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 3 |
| Legal Lot Number | 20.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 590900 |
Source: Otsego County and Oneonta City records · APN 361200 288.19-3-20
Assessment roll updated April 30, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 39 ALTAMONT RD, VOORHEESVILLE, NY 12186-9775 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 10, 2026 | Warranty Deed, Transfer · Stand-Alone First Mortgage NAVY FEDERAL CREDIT UNION |
| Oct 04, 2022 | Deed, Transfer |
| Oct 04, 2022 | Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 10, 2026 · Amount on Record |
| Deed Sale | Apr 10, 2026 · Amount on Record |
| Prior Sale | Oct 04, 2022 · Amount on Record |
| Deed Document Number | 20261711 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Apr 10, 2026 |
| Property Address | 503 MAIN ST, ONEONTA, NY 13820-2013 |
| Document Number | 0000000711 |
| Instrument Date | Feb 03, 2026 |
| Instrument | 20261711 |
| Transaction Type | Transfer |
| Record Updated | Jul 02, 2026 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 39 ALTAMONT RD, VOORHEESVILLE, NY 12186-9775 |
| Date | Apr 10, 2026 |
|---|
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 04, 2022 |
| Property Address | 503 MAIN ST, ONEONTA, NY 13820-2013 |
| Document Number | 0000000472 |
| Instrument Date | Sep 26, 2022 |
| Instrument | 2022-5472 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 70 W MAIN ST, EAST ISLIP, NY 11730-2323 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 04, 2022 |
| Property Address | 503 MAIN ST, ONEONTA, NY 13820-2013 |
| Document Number | 0000000471 |
| Instrument Date | Jun 02, 2022 |
| Instrument | 2022-5471 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,514.00 | $98,000 (-) Land $20,900 Building $77,100 | $138,028 (+14.08%) Land $29,437 Building $108,591 |
| 2023 | $98,000 Land $20,900 Building $77,100 | $120,988 Land $25,803 Building $95,185 |
Source: FEMA National Flood Hazard Layer, Otsego County (36077C), updated March 20, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360775909001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 2 individual NFIP policies nearby |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force 2 of 2 on primary residences |
| Nearby Flood Claims | 3 (2006–2011) |
| Most Recent Claim | Sep 2011, other causes, Remnants Of Tropical Storm Lee |
| Flood Events |
|
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
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