510 Main St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 510 Main St, Oneonta, NY 13820 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	1 Baths
Year Built	Built 1965
Square Footage	1,536 sqft Living Area
Lot Size	5,663 sqft (0.13 acres)
Occupancy	Owner Occupied
Last Sale	$65,000 (2013)
Tax Bill	$3,861.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`361200 300.7-4-29`
Alternative APNs	`120030000700040290000000` `3911 2174`

Interior

Bedrooms	4 Beds
Full Baths	1 Baths
Building Area	1,536 sqft Living Area
1st Floor	768 sqft 1st Floor
2nd Floor	768 sqft 2nd Floor
Stories	2 Stories

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1965
Architectural Style	Colonial Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	5,663 sqft (0.13 acres)
Depth X Width	148 ft x 50 ft Depth x Width
Porch Area	256 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Oil Heating Fuel
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Account Number	3911 2174
Street Address	510 MAIN ST
City	ONEONTA
State	NY
Zip	13820-2014
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	4
Legal Lot Number	29.000
Jurisdiction	OTSEGO NY
Minor Civil Division	ONEONTA
Census Blockgroup	2
Census Block	2015
Census Tract	590900

Owner

Source: Otsego County and Oneonta City records · APN 361200 300.7-4-29

Assessment roll updated April 30, 2026 · Last verified May 2026

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

Owner of Record	Individual Name on File
Mailing Address	510 MAIN ST, ONEONTA, NY 13820-2014
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 17, 2013 · Amount on Record
Deed Sale	Jul 17, 2013 · Amount on Record
Prior Sale	Oct 31, 1994 · Amount on Record
Deed Book / Page	2013 / 3817
Record Refreshed	Jun 08, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	510 MAIN ST, ONEONTA, NY 13820-2014
Transaction Type	Mortgage
Record Updated	Aug 08, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000864
Date	Jul 19, 2023
Instrument	2023-2864

Lender

Name	HOUSING TRUST FUND CORP

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified May 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

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	$3,861.00	$115,000 (-) Land $12,900 Building $102,100	$161,972 (+14.08%) Land $18,169 Building $143,803
2023		$115,000 Land $12,900 Building $102,100	$141,975 Land $15,926 Building $126,049

Flood & Wildfire

510 Main St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Otsego County (36077C), updated March 20, 2017

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 55th in New York
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Indirect within ember reach of burnable land · adjoins burnable vegetation

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