Otsego County and Oneonta Town property record for 52 Richards Ave, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1995 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on File |
| Last Sale | $12,000 (Jul 1995) |
| Tax Bill | $3,274 (2026) |
| Deeds & Mortgages | Sep 2025 Sale Feb 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 364600 287.19-2-9.02 |
| Primary APN | 364600 287.19-2-9.02 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Width | 75 ft Width |
| Garage Type | Carport |
| Garage Area | 220 sqft |
| Carport | Carport |
| Carport Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 272 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 187896 |
|---|---|
| Street Address | 52 RICHARDS AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 995 0 0 |
| Legal Block | 2 |
| Legal Lot Number | 9.002 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 590800 |
52 Richards Ave is owned and occupied by an individual who acquired it in September 2025.
Source: Otsego County and Oneonta Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 48 RICHARDS AVE, ONEONTA, NY 13820-1136 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 16, 2025 | Warranty Deed, Transfer |
| Feb 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 11, 1995 · Amount on File |
| Deed Sale | Jul 11, 1995 · Amount on File |
| Deed Book / Page | 781 / 733 |
| Last Transfer Date | Sep 4, 2025 |
| Transfer Doc | 0000000589 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Sep 16, 2025 |
| Property Address | 52 RICHARDS AVE, ONEONTA, NY 13820-1136 |
| Document Number | 0000000589 |
| Instrument Date | Sep 4, 2025 |
| Instrument | 2025-3589 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 48 RICHARDS AVE, ONEONTA, NY 13820-1136 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 52 RICHARDS AVE, ONEONTA, NY 13820-1136 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000101 |
|---|---|
| Date | Feb 28, 2022 |
| Instrument | 2022-1101 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2037 |
The 2026 property tax bill for 52 Richards Ave was $3,274 with exemptions applied, up 54.7% from the year before.
Source: Otsego County and Oneonta Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Oneonta Town |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,274.00 (+54.65%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $2,117.00 (+1.49%) | $102,000 (-) Land $27,200 Building $74,800 | $145,714 (+2.86%) Land $38,857 Building $106,857 |
| 2024 | $2,086.00 (+121.21%) Homeowner's exemption Senior Citizen's exemption | $102,000 (-) Land $27,200 Building $74,800 | $141,667 (+8.33%) Land $37,778 Building $103,889 |
| 2023 | $943.00 Homeowner's exemption Senior Citizen's exemption | $102,000 (-) Land $27,200 Building $74,800 | $130,769 (+12.82%) Land $34,872 Building $95,897 |
| 2022 | $102,000 Land $27,200 Building $74,800 | $115,909 Land $30,909 Building $85,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 52 Richards Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2006.
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 |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 5 (2006–2013) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Jul 2013 · river or lake flooding |
| Claims by Event |
|
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 risk around 52 Richards Ave is low, with a 0.01% annual chance of 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 |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 185 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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