55 Hudson St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 55 Hudson St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,648 sqft · built 1930
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$133,900 (Oct 2017)
Tax Bill	$5,055 (2026)
Deeds & Mortgages	Mar 2021 Refinance Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`361200 300.7-3-39`

Property Details

APN / Parcel Number

Primary APN	`361200 300.7-3-39`
Alternative APNs	`120030000700030390000000` `3911 1726`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,648 sqft Living Area
1st Floor Area	832 sqft
2nd Floor Area	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	117 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	414 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 1726
Street Address	55 HUDSON ST
City	ONEONTA
State	NY
Zip	13820-2705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	3
Legal Lot Number	39.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2013
Census Tract	590900

Owner

55 Hudson St is owned and occupied by an individual who bought it in October 2017.

Source: Otsego County and Oneonta City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	55 HUDSON ST, ONEONTA, NY 13820-2705
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NBKC BANK
Oct 23, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2017 · Amount on File
Deed Sale	Oct 23, 2017 · Amount on File
Prior Sale	Apr 1, 2005 · Amount on File
Deed Book / Page	2017 / 5136
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	55 HUDSON ST, ONEONTA, NY 13820-2705
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	541
Date	Mar 18, 2021
Book Page	2021/1541
Instrument	2021-1541

Lender

Name	NBKC BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Oct 23, 2017
Property Address	55 HUDSON ST, ONEONTA, NY 13820-2705
Document Number	0000005136
Instrument Date	Oct 7, 2017
Instrument	5136
Transaction Type	Transfer
Record Updated	Nov 21, 2017

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 HUDSON ST ONEONTA NY 13820, ONEONTA, NY 13820

Tax Assessment & Valuation

The 2026 property tax bill for 55 Hudson St was $5,055.

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	$5,055.00
2025		$130,000 Land $14,800 Building $115,200	$183,099 Land $20,845 Building $162,254
2023		$130,000 Land $14,800 Building $115,200	$160,494 Land $18,272 Building $142,222

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 55 Hudson St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1986–2011)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Severe Storms And Flooding, Jun 2006 · 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

Wildfire risk around 55 Hudson St 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.

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 318 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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