521 Main St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 521 Main St, Oneonta, NY 13820

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2,232 sqft · built 1983
Lot Size	0.17 acres (7,405 sqft)
Owner	Company Name on Record
Tax Bill	$68 (2026)
Deeds & Mortgages	Oct 2019 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 288.19-3-36`

Property Details

APN / Parcel Number

Primary APN	`361200 288.19-3-36`
Alternative APNs	`120028801900030360000000` `3911 2073`

Interior

Stories	2 Stories
Building Area	2,232 sqft Gross Area
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	165 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	15 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 2073
Street Address	521 MAIN ST
City	ONEONTA
State	NY
Zip	13820-2031
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	220
Legal Block	3
Legal Lot Number	36.000
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, as of September 23, 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 Record
Mailing Address	22 RIVERSIDE DR, BINGHAMTON, NY 13905-4646
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2019	Deed of Trust, Mortgage M&T BK
Oct 15, 2019	Warranty Deed, Transfer · Conventional Mortgage M&T BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 11, 2012
Transfer Doc	0020124877
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	521 MAIN ST, ONEONTA, NY 13820-2031
Document Number	0000004679
Instrument Date	Oct 7, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	22 RIVERSIDE DR BINGHAMTON NY 139054646, BINGHAMTON, NY 13905-4646

Mortgage

Document Number	0000004679
Date	Oct 15, 2019
Instrument	4679

Lender

Name	M&T BK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Amount	Amount Recorded

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Oct 15, 2019
Property Address	521 MAIN ST, ONEONTA, NY 13820-2031
Document Number	0000004678
Instrument Date	Aug 22, 2019
Instrument	4678
Transaction Type	Transfer
Record Updated	Nov 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	22 RIVERSIDE DR BINGHAMTON NY 139054646, BINGHAMTON, NY 13905-4646

Mortgage

Document Number	4679
Date	Oct 15, 2019
Instrument	4679

Lender

Name	M&T BK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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
2026	$68.00 (+15.25%) Additional exemption filed
2025	$59.00	$150,000 (-) Land $22,500 Building $127,500	$211,268 (+14.08%) Land $31,690 Building $179,578
2023		$150,000 Land $22,500 Building $127,500	$185,185 Land $27,778 Building $157,407

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
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

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
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 223 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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