Otsego County and Oneonta City property record for 59 Elm St, Oneonta, NY 13820
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,023 sqft · built 1920 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $275,000 (Oct 2025) |
| Tax Bill | $5,288 (2026) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Jul 2019 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.18-3-19 |
| Primary APN | 361200 288.18-3-19 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,023 sqft Total Area |
| 1st Floor Area | 1,163 sqft |
| 2nd Floor Area | 713 sqft |
| Upper Floors Area | 147 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 182 ft deep x 55 ft wide |
| Garage Type | Detached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 410 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 1164 |
|---|---|
| Street Address | 59 ELM ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1508 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 140 |
| Legal Block | 3 |
| Legal Lot Number | 19.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 591000 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 6 GOLDEN GATE LN, SHIRLEY, NY 11967-3712 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Oct 29, 2025 | Deed, Transfer · Commercial Mortgage WAYNE BANK |
| Jul 26, 2019 | Deed of Trust, Mortgage · Line of Credit USNY BK |
| Jul 8, 2019 | Grant Deed, Transfer FIRST TITLE INSURANCE AGENCY INC, FIRST TITLE INS |
| Apr 30, 2019 | Quit Claim Deed, Transfer FIRST TITLE COMPANY, FIRST TITLE & ESCROW |
| May 15, 2018 | Trustee's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 29, 2025 · Amount on Record |
| Deed Sale | Oct 29, 2025 · Amount on Record |
| Prior Sale | Jul 8, 2019 · Amount on Record |
| Deed Document Number | 20254329 |
| Prior Transfer Date | Feb 22, 2019 |
| Prior Transfer Doc | 0000001850 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 29, 2025 |
| Property Address | 59 ELM ST, ONEONTA, NY 13820-1508 |
| Document Number | 0000000329 |
| Instrument Date | Oct 8, 2025 |
| Instrument | 2025-4329 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6 GOLDEN GATE LN, SMITH POINT, NY 11967-3712 |
| Document Number | 0000000330 |
|---|---|
| Date | Oct 29, 2025 |
| Instrument | 2025-4330 |
| Name | WAYNE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 59 ELM ST, ONEONTA, NY 13820-1508 |
| Document Number | 0000003377 |
| Instrument Date | Jul 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | PO BOX 159 LAURENS NY 137960159, LAURENS, NY 13796-0159 |
| Document Number | 0000003377 |
|---|---|
| Date | Jul 31, 2019 |
| Instrument | 3377 |
| Name | USNY BK |
|---|---|
| Type | Bank |
| Address | GENEVA, NY 14456 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jul 8, 2019 |
| Property Address | 59 ELM ST, ONEONTA, NY 13820-1508 |
| Document Number | 0000002950 |
| Instrument Date | Jun 17, 2019 |
| Instrument | 2950 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2019 |
| Title Company | FIRST TITLE INSURANCE AGENCY INC, FIRST TITLE INS |
| Amount | Amount Recorded |
|---|---|
| Tax | $352.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | PO BOX 159 LAURENS NY 137960159, LAURENS, NY 13796-0159 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Apr 30, 2019 |
| Property Address | 59 ELM ST, ONEONTA, NY 13820-1508 |
| Document Number | 0000001850 |
| Instrument Date | Feb 22, 2019 |
| Instrument | 1850 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2019 |
| Title Company | FIRST TITLE COMPANY, FIRST TITLE & ESCROW |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14405 WALTERS RD #200 HOUSTON TX 770141345, 200, HOUSTON, TX 77014-1345 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | May 15, 2018 |
| Property Address | 59 ELM ST, ONEONTA, NY 13820-1508 |
| Document Number | 0000002085 |
| Instrument Date | Apr 16, 2018 |
| Instrument | 2085 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 2, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | C O 14405 WALTERS RD #200 HOUSTON TX 77014, 200, HOUSTON, TX 77014 |
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 | $5,288.00 (-42.78%) | ||
| 2025 | $9,242.00 (+8.31%) | $135,000 (-) Land $19,000 Building $116,000 | $190,141 (+8.45%) Land $26,761 Building $163,380 |
| 2024 | $8,533.00 | $135,000 (-) Land $19,000 Building $116,000 | $175,325 (+5.19%) Land $24,675 Building $150,650 |
| 2023 | $135,000 Land $19,000 Building $116,000 | $166,667 Land $23,457 Building $143,210 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
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.
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.
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 661 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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