72 Elm St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 72 Elm St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,616 sqft · built 1900
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Jul 2014)
Tax Bill	$5,827 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 288.18-1-51`

Property Details

APN / Parcel Number

Primary APN	`361200 288.18-1-51`
Alternative APNs	`120028801800010510000000` `3911 1206`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,616 sqft Living Area
1st Floor Area	916 sqft
2nd Floor Area	616 sqft
Upper Floors Area	84 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	118 ft deep x 42 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	425 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 1206
Street Address	72 ELM ST
City	ONEONTA
State	NY
Zip	13820-1533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	140
Legal Block	1
Legal Lot Number	51.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1016
Census Tract	591000

Owner

72 Elm St is owned and occupied by two individuals who bought it in July 2014.

Source: Otsego County and Oneonta City records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	72 ELM ST, ONEONTA, NY 13820-1533
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2014 · Amount on File
Deed Sale	Jul 22, 2014 · Amount on File
Prior Sale	Jan 21, 2009 · Amount on File
Deed Book / Page	2014 / 3274
Record Updated	Oct 29, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Sep 28, 2020
Property Address	72 ELM ST, ONEONTA, NY 13820-1533
Document Number	0000004147
Instrument Date	Sep 9, 2020
Instrument	4147
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3882 STATE HWY 23 WEST ONEONTA NY 13861, WEST ONEONTA, NY 13861

Mortgage

Document Number	4148
Date	Sep 28, 2020
Instrument	4148

Lender

Name	NBT BK
Type	Bank
Address	NORWICH, NY 13815

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 72 Elm St was $5,827, up 2.5% from the year before.

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	$5,827.00 (+2.48%)
2025	$5,686.00	$150,000 Land $13,400 Building $136,600	$211,268 Land $18,873 Building $192,395
2023		$150,000 Land $13,400 Building $136,600	$185,185 Land $16,543 Building $168,642

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

Flood

FEMA maps place 72 Elm St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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
Nearby Flood Claims	1 (1979)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1979 · tidal / storm surge

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

Wildfire risk around 72 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.

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 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