Otsego County and Oneonta City property record for 61 Elm St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 11 bd · 3 ba · 3,170 sqft · built 1920 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Company Name on File |
| Last Sale | $300,000 (Jan 2023) |
| Tax Bill | $8,798 (2026) |
| Deeds & Mortgages | Jan 2023 Sale Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.18-3-20 |
| Primary APN | 361200 288.18-3-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 11 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,170 sqft Living Area |
| 1st Floor Area | 1,571 sqft |
| 2nd Floor Area | 1,241 sqft |
| Upper Floors Area | 48 sqft |
| Attic | Attic |
| Attic Area | 310 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 181 ft deep x 70 ft wide |
| Porch | Slab |
| Porch Area | 413 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 1165 |
|---|---|
| Street Address | 61 ELM ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 140 |
| Legal Description | 0303510 0897230 |
| Legal Block | 3 |
| Legal Lot Number | 20.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 591000 |
61 Elm St is owned by a company that bought it in January 2023.
Source: Otsego County and Oneonta City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1055 FRANKLIN AVE, 206, GARDEN CITY, NY 11530-2903 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jan 31, 2023 | Deed, Transfer |
| Feb 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage USNY BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 31, 2023 · Amount on File |
| Deed Sale | Jan 31, 2023 · Amount on File |
| Prior Sale | Dec 7, 2010 · Amount on File |
| Deed Document Number | 2023410 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jan 31, 2023 |
| Property Address | 61 ELM ST, ONEONTA, NY 13820-1508 |
| Document Number | 0000000010 |
| Instrument Date | Jan 24, 2023 |
| Instrument | 2023-410 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1055 FRANKLIN AVE # STE20, STE20, GARDEN CITY, NY 11530-2903 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 61 ELM ST, ONEONTA, NY 13820-1508 |
| Document Number | 0000001775 |
| Instrument Date | Feb 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2019 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 459 LAURENS NY 137960459, LAURENS, NY 13796-0459 |
| Document Number | 0000001775 |
|---|---|
| Date | Apr 26, 2019 |
| Instrument | 1775 |
| Name | USNY BK |
|---|---|
| Type | Bank |
| Address | GENEVA, NY 14456 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 61 Elm St was $8,798, up 2.4% 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 | $8,798.00 (+2.45%) | ||
| 2025 | $8,588.00 | $227,000 Land $21,100 Building $205,900 | $319,718 Land $29,718 Building $290,000 |
| 2023 | $227,000 Land $21,100 Building $205,900 | $280,247 Land $26,049 Building $254,198 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 61 Elm St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 61 Elm 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.
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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