70 Gilbert St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 70 Gilbert St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,040 sqft · built 1900
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$124,000 (Nov 2019)
Tax Bill	$4,592 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`361200 299.12-3-4`

Property Details

APN / Parcel Number

Primary APN	`361200 299.12-3-4`
Alternative APNs	`120029901200030040000000` `3911 1552`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,040 sqft Living Area
1st Floor Area	520 sqft
2nd Floor Area	520 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1985
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 70 ft wide
Porch	Slab
Porch Area	184 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 1552
Street Address	70 GILBERT ST
City	ONEONTA
State	NY
Zip	13820-2229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Block	3
Legal Lot Number	4.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1003
Census Tract	591100

Owner

Source: Otsego County and Oneonta City records, as of October 19, 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	70 GILBERT ST, ONEONTA, NY 13820-2229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Nov 14, 2019	Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FNDG
Aug 25, 2017	Grant Deed, Transfer
Jun 16, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2019 · Amount on Record
Deed Sale	Nov 14, 2019 · Amount on Record
Prior Sale	Aug 25, 2017 · Amount on Record
Deed Document Number	20195380
Prior Transfer Date	Jun 15, 2017
Prior Transfer Doc	2017002764
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	70 GILBERT ST, ONEONTA, NY 13820-2229
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	162
Date	Apr 19, 2021
Instrument	2021-2162

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Nov 14, 2019
Property Address	70 GILBERT ST, ONEONTA, NY 13820-2229
Document Number	0000005380
Instrument Date	Nov 7, 2019
Instrument	5380
Transaction Type	Transfer
Record Updated	Dec 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$496.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 HIGHLAND TER ONEONTA NY 13820, ONEONTA, NY 13820

Mortgage

Document Number	5381
Date	Nov 14, 2019
Instrument	5381

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2049

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Aug 25, 2017
Property Address	70 GILBERT ST, ONEONTA, NY 13820-2229
Document Number	0000004069
Instrument Date	Aug 23, 2017
Instrument	4069
Transaction Type	Transfer
Record Updated	Oct 13, 2017

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 GILBERT ST ONEONTA NY 138202229, ONEONTA, NY 13820-2229

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO NY
Recording Date	Jun 16, 2017
Property Address	70 GILBERT ST, ONEONTA, NY 13820-2229
Document Number	0000002764
Instrument Date	Jun 15, 2017
Instrument	2764
Transaction Type	Transfer
Record Updated	Jul 11, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 GILBERT ST ONEONTA NY 138202229, ONEONTA, NY 13820-2229

Tax Assessment & Valuation

Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
Municipality	Oneonta City
Unified School District	Oneonta City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,592.00 (-9.14%)
2025	$5,054.00	$118,000 (-) Land $19,500 Building $98,500	$166,197 (+14.08%) Land $27,465 Building $138,732
2023		$118,000 Land $19,500 Building $98,500	$145,679 Land $24,074 Building $121,605

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

Flood

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	Severe Storms And Flooding, Jun 2006 · 3 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 175 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Gilbert St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures