Otsego County and Oneonta City property record for 56 River St, Oneonta, NY 13820
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,857 sqft · built 1900 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $170,000 (Jun 2024) |
| Tax Bill | $4,247 (2026) |
| Deeds & Mortgages | Dec 2019 Mortgage Jan 2019 Sale |
| Flood Zone | Zone X (moderate risk) |
| APN | 361200 300.9-1-21.1 |
| Primary APN | 361200 300.9-1-21.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,857 sqft Total Area |
| 1st Floor Area | 1,031 sqft |
| 2nd Floor Area | 826 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 102 ft deep x 74 ft wide |
| Garage Type | Detached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 255 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2805 |
|---|---|
| Street Address | 56 RIVER ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2300 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 120 |
| Legal Block | 1 |
| Legal Lot Number | 21.001 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 591100 |
56 River St, a duplex, is owned by an individual who bought it in June 2024.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 56 RIVER ST, 1, ONEONTA, NY 13820-2300 |
| 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 |
|---|---|
| Dec 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BK NA |
| Jan 14, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 10, 2024 · Amount on File |
| Deed Sale | Jun 10, 2024 · Amount on File |
| Prior Sale | Feb 10, 2009 · Amount on File |
| Deed Document Number | 20242024-2171 |
| Prior Transfer Date | Dec 31, 2008 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 56 RIVER ST, ONEONTA, NY 13820-2300 |
| Document Number | 0000000010 |
| Instrument Date | Dec 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 2531 45TH ST ASTORIA NY 111031122, ASTORIA, NY 11103-1122 |
| Document Number | 0000000010 |
|---|---|
| Date | Jan 2, 2020 |
| Instrument | 10 |
| Name | COMMUNITY BK NA |
|---|---|
| Address | OLEAN, NY 14760 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jan 14, 2019 |
| Property Address | 56 RIVER ST, ONEONTA, NY 13820-2300 |
| Document Number | 0000000210 |
| Instrument Date | Jan 11, 2019 |
| Instrument | 210 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 438 MANSFIELD AVE LEVITTOWN NY 117565616, LEVITTOWN, NY 11756-5616 |
The 2026 property tax bill for 56 River St was $4,247, up 2.6% 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 | $4,247.00 (+2.61%) | ||
| 2025 | $4,139.00 | $108,000 Land $14,700 Building $93,300 | $152,113 Land $20,704 Building $131,409 |
| 2023 | $108,000 Land $14,700 Building $93,300 | $133,333 Land $18,148 Building $115,185 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 56 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 56 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 |
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