56 Richards Ave, Oneonta, NY 13820 Property Records

Otsego County and Oneonta Town property record for 56 Richards Ave, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,734 sqft · built 1950
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$53,000 (Aug 2001)
Tax Bill	$4,882 (2026)
Deeds & Mortgages	Apr 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`364600 287.19-2-7.00`

Property Details

APN / Parcel Number

Primary APN	`364600 287.19-2-7.00`
Alternative APNs	`460028701900020070000000` `059600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,734 sqft Living Area
1st Floor Area	1,734 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	15,682 sqft (0.36 acres)
Lot Width	60 ft Width
Garage Type	Attached
Porch	Slab
Porch Area	544 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	059600
Street Address	56 RICHARDS AVE
City	ONEONTA
State	NY
Zip	13820-1136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	7.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2018
Census Tract	590800

Owner

Source: Otsego County and Oneonta Town 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	2 Individual Names on Record
Mailing Address	PO BOX 508, DELHI, NY 13753-0508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2001 · Amount on Record
Deed Sale	Aug 28, 2001 · Amount on Record
Deed Book / Page	943 / 105
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	56 RICHARDS AVE, ONEONTA, NY 13820-1136
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	832
Date	Apr 1, 2021
Instrument	2021-1832

Lender

Name	DELAWARE NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2031

Tax Assessment & Valuation

Source: Otsego County and Oneonta Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Oneonta Town
Unified School District	Oneonta City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,882.00 (+11.36%) Homeowner's exemption
2025	$4,384.00 (+213.82%)	$152,700 (-) Land $25,100 Building $127,600	$218,143 (+11.43%) Land $35,857 Building $182,286
2023	$1,397.00 Homeowner's exemption	$152,700 (-) Land $25,100 Building $127,600	$195,769 (+12.82%) Land $32,179 Building $163,590
2022		$152,700 Land $25,100 Building $127,600	$173,523 Land $28,523 Building $145,000

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
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	Remnants Of Tropical Storm Lee, Sep 2011 · 3 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 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000