Otsego County and Oneonta City property record for 7 Yager Ave, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,891 sqft · built 1989 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $195,000 (Oct 2019) |
| Tax Bill | $7,533 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.18-2-12.2 |
| Primary APN | 361200 288.18-2-12.2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,891 sqft Living Area |
| 1st Floor Area | 1,170 sqft |
| Upper Floors Area | 721 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 67 ft deep x 108 ft wide |
| Garage Type | Attached |
| Garage Area | 368 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 348 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3965 |
|---|---|
| Street Address | 7 YAGER AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1642 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 2 |
| Legal Lot Number | 12.002 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 591000 |
Source: Otsego County and Oneonta City assessment roll, APN 361200 288.18-2-12.2, as of April 30, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 7 YAGER AVE, ONEONTA, NY 13820-1642 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2025 | Deed of Trust, Mortgage · Line of Credit SIDNEY FCU |
| Oct 15, 2019 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 15, 2019 · Amount on Record |
| Deed Sale | Oct 15, 2019 · Amount on Record |
| Prior Sale | Nov 07, 2002 · Amount on Record |
| Deed Document Number | 20194662 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 7 YAGER AVE, ONEONTA, NY 13820-1642 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000000062 |
|---|---|
| Date | Dec 17, 2025 |
| Instrument | 2025-5062 |
| Name | SIDNEY FCU |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jan 01, 2055 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 15, 2019 |
| Property Address | 7 YAGER AVE, ONEONTA, NY 13820-1642 |
| Document Number | 0000004662 |
| Instrument Date | Sep 25, 2019 |
| Instrument | 4662 |
| Transaction Type | Transfer |
| Record Updated | Nov 08, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $780.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 26 CEDAR ST ONEONTA NY 138201531, ONEONTA, NY 13820-1531 |
| Document Number | 4663 |
|---|---|
| Date | Oct 15, 2019 |
| Instrument | 4663 |
| Name | HOMESTEAD FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 14, 2049 |
Source: Otsego County and Oneonta City assessment roll as of April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,533.00 | $199,000 (-) Land $16,200 Building $182,800 | $280,282 (+14.08%) Land $22,817 Building $257,465 |
| 2023 | $199,000 Land $16,200 Building $182,800 | $245,679 Land $20,000 Building $225,679 |
Source: FEMA National Flood Hazard Layer, Otsego County (36077C), as of March 20, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360775910003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| 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 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: FCC Broadband Data Collection, 661 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System, water system NY3800154, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ONEONTA CITY serves 15,954 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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