511 Main St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 511 Main St, Oneonta, NY 13820

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2,832 sqft · built 1983
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Jun 2012)
Tax Bill	$6,452 (2025)
Flood Zone	Zone X (minimal risk)
APN	`361200 288.19-3-23`

Property Details

APN / Parcel Number

Primary APN	`361200 288.19-3-23`
Alternative APNs	`120028801900030230000000` `3911 2070`

Interior

Stories	2 Stories
Building Area	2,832 sqft Gross Area
Basement Area	1,620 sqft
Unfinished Basement	1,620 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	120 ft deep x 68.5 ft wide
Porch	Slab
Porch Area	355 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 2070
Street Address	511 MAIN ST
City	ONEONTA
State	NY
Zip	13820-2031
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	420
Legal Block	3
Legal Lot Number	23.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1000
Census Tract	590900

Owner

Source: Otsego County and Oneonta City records · APN 361200 288.19-3-23

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	2 Individual Names on File
Mailing Address	511 MAIN ST, ONEONTA, NY 13820-2031
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 16, 2012 · Amount on Record
Deed Sale	Jun 16, 2012 · Amount on Record
Prior Sale	Jun 14, 2012 · Amount on Record
Deed Book / Page	2012 / 2916
Last Transfer Date	Nov 07, 2013
Transfer Doc	0020141540
Record Updated	Jun 08, 2026

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	$6,452.00	$160,000 (-) Land $16,000 Building $144,000	$225,352 (+14.08%) Land $22,535 Building $202,817
2023		$160,000 Land $16,000 Building $144,000	$197,531 Land $19,753 Building $177,778

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 20, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	3 (2006–2011)
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 2 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 223 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ONEONTA CITY serves 15,954 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.