72 Gilbert St, Oneonta, NY 13820 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1920
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$189,900 (Aug 2022)
Tax Bill	$3,126 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Dec 2021 Sale
Flood Zone	Zone X (moderate risk)
APN	`361200 299.12-3-3`

Property Details

APN / Parcel Number

Primary APN	`361200 299.12-3-3`
Alternative APNs	`120029901200030030000000` `3911 1553`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	624 sqft
Upper Floors Area	468 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Porch	Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 1553
Street Address	72 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	3.000
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 September 23, 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 Record
Mailing Address	72 GILBERT ST, ONEONTA, NY 13820-2229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA
Dec 29, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2022 · Amount on Record
Deed Sale	Aug 22, 2022 · Amount on Record
Prior Sale	Dec 29, 2021 · Amount on Record
Deed Document Number	20224563
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Aug 22, 2022
Property Address	72 GILBERT ST, ONEONTA, NY 13820-2229
Document Number	0000000563
Instrument Date	Aug 19, 2022
Instrument	2022-4563
Transaction Type	Transfer
Record Updated	Sep 13, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 N DELAWARE ST, STAMFORD, NY 12167-1120

Mortgage

Document Number	0000000564
Date	Aug 22, 2022
Instrument	2022-4564

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	OTSEGO NY
Recording Date	Dec 29, 2021
Property Address	72 GILBERT ST, ONEONTA, NY 13820-2229
Document Number	0000000280
Instrument Date	Dec 15, 2021
Instrument	2021-7280
Transaction Type	Transfer
Record Updated	Jan 25, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 EMMONS FARM, ONEONTA, NY 13820-3657

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	$3,126.00 (+2.53%)
2025	$3,049.00	$80,000 (-) Land $11,100 Building $68,900	$112,676 (+14.08%) Land $15,634 Building $97,042
2023		$80,000 Land $11,100 Building $68,900	$98,765 Land $13,704 Building $85,061

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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.

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