Otsego County and Oneonta City property record for 55 River St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,344 sqft · built 1900 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,705 (2026) |
| Deeds & Mortgages | Oct 2025 Transfer Feb 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 361200 300.9-3-13.2 |
| Primary APN | 361200 300.9-3-13.2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 672 sqft |
| 2nd Floor Area | 672 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 115 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 306 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2735 |
|---|---|
| Street Address | 55 RIVER ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2360 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 3 |
| Legal Lot Number | 13.002 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 591100 |
55 River St is owned by an individual who acquired it in October 2025.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 63 LIVINGSTON ST, BUFFALO, NY 14213-1652 |
| 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 |
|---|---|
| Oct 27, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Feb 3, 2022 | Deed of Trust, Mortgage · Line of Credit NBT BANK NATIONAL ASSOCIATION |
| May 22, 2018 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 16, 2025 |
| Transfer Doc | 0000000281 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 27, 2025 |
| Property Address | 55 RIVER ST, ONEONTA, NY 13820-2360 |
| Document Number | 0000000281 |
| Instrument Date | Oct 16, 2025 |
| Instrument | 2025-4281 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 63 LIVINGSTON ST, BUFFALO, NY 14213-1652 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 55 RIVER ST, ONEONTA, NY 13820-2360 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000072 |
|---|---|
| Date | Feb 3, 2022 |
| Instrument | 2022-672 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | May 22, 2018 |
| Property Address | 55 RIVER ST, ONEONTA, NY 13820-2360 |
| Document Number | 0000002223 |
| Instrument Date | May 15, 2018 |
| Instrument | 2223 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 55 RIVER ST ONEONTA NY 138202360, ONEONTA, NY 13820-2360 |
The 2026 property tax bill for 55 River St was $3,705, up 6.2% from the year before.
Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,705.00 (+6.19%) | ||
| 2025 | $3,489.00 (+61.01%) | $95,000 (-) Land $13,500 Building $81,500 | $133,803 (+8.45%) Land $19,014 Building $114,789 |
| 2024 | $2,167.00 Homeowner's exemption Senior Citizen's exemption | $95,000 (-) Land $13,500 Building $81,500 | $123,377 (+5.2%) Land $17,533 Building $105,844 |
| 2023 | $95,000 Land $13,500 Building $81,500 | $117,284 Land $16,667 Building $100,617 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 55 River St in Zone X, an area of moderate flood risk, though there have been 11 flood claims nearby since 1978.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 11 (1978–2011) |
| Claims Outside the SFHA | 2 of 11 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| 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 55 River 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 |
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 257 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures