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7 James St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 7 James St, Oneonta, NY 13820 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 936 sqft · built 1930
Lot Size0.12 acres (5,227 sqft)
Owner2 Individual Names on File
Last Sale$160,000 (Feb 2026)
Tax Bill$4,518 (2025)
Deeds & MortgagesFeb 2026 Sale
Dec 2023 Refinance
+ 1 more
Flood ZoneZone X (minimal risk)
APN361200 299.7-7-31

Property Details

APN / Parcel Number

Primary APN361200 299.7-7-31
Alternative APNs
  • 120029900700070310000000
  • 3911 1812

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area936 sqft Living Area
1st Floor Area624 sqft
Upper Floors Area312 sqft

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1970
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Lot Area5,227 sqft (0.12 acres)
Lot Dimensions96 ft deep x 56 ft wide
Garage TypeDetached
Garage Area320 sqft
Parking Spaces1 Parking Space
PorchPorch
Porch Area96 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number3911 1812
Street Address7 JAMES ST
CityONEONTA
StateNY
Zip13820-1213
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block7
Legal Lot Number31.000
JurisdictionOTSEGO NY
Township / Civil DivisionONEONTA
Census Block Group1
Census Block1031
Census Tract591100

Owner

Source: Otsego County and Oneonta City records · APN 361200 299.7-7-31

Assessment roll updated April 30, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address1 ONEILL DR, ONEONTA, NY 13820-1157
Owner TypeIndividual
VestingJoint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

DateDocument
Feb 03, 2026Warranty Deed, Transfer
Dec 22, 2023Deed of Trust, Mortgage · Stand-Alone Refinance
WAYNE BANK
Nov 04, 2022Deed, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 03, 2026 · Amount on Record
Deed SaleFeb 03, 2026 · Amount on Record
Prior SaleJun 18, 2024 · Amount on Record
Deed Document Number2026482
Prior Transfer DateOct 06, 2008
Prior Transfer Doc1120000685
Record UpdatedSep 20, 2026

February 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOTSEGO NY
Recording DateFeb 03, 2026
Property Address7 JAMES ST, ONEONTA, NY 13820-1213
Document Number0000000082
Instrument DateJan 09, 2026
Instrument2026-482
Transaction TypeTransfer
Record UpdatedMar 04, 2026

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1 ONEILL DR, ONEONTA, NY 13820-1157

December 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOTSEGO NY
Property Address7 JAMES ST, ONEONTA, NY 13820-1213
Transaction TypeMortgage
Record UpdatedJan 16, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000326
DateDec 22, 2023
Instrument2023-5326
Lender
NameWAYNE BANK
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded

November 2022: Deed, Transfer

Document TypeDeed
JurisdictionOTSEGO NY
Recording DateNov 04, 2022
Property Address7 JAMES ST, ONEONTA, NY 13820-1213
Document Number0000000097
Instrument DateNov 03, 2022
Instrument2022-6097
Transaction TypeTransfer
Record UpdatedNov 29, 2022

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address16 KEARNEY ST, ONEONTA, NY 13820-1244

Tax Assessment & Valuation

Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateNew York
CountyOtsego County
MunicipalityOneonta City
Unified School DistrictOneonta City School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4,518.00 (+5.31%)$119,000 (-) Land $13,400 Building $105,600$167,606 (+8.45%) Land $18,873 Building $148,733
2024$4,290.00$119,000 (-) Land $13,400 Building $105,600$154,545 (+5.19%) Land $17,403 Building $137,142
2023$119,000 Land $13,400 Building $105,600$146,914 Land $16,543 Building $130,371

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Otsego County (36077C), updated March 20, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360775911001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 5 individual NFIP policies nearby
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies5 in force
2 of 5 on primary residences
Nearby Flood Claims11 (1978–2011)
Claims Outside the SFHA2 of 11
Most Recent ClaimSep 2011, rainfall accumulation, Remnants Of Tropical Storm Lee
Flood Events
  • Severe Storms And Flooding (Jun 2006), 3 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 55% of New York
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

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