72 Hudson St, Oneonta, NY 13820 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,890 sqft · built 1900
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$201,000 (Oct 2019)
Tax Bill	$7,370 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 300.7-3-59`

Property Details

APN / Parcel Number

Primary APN	`361200 300.7-3-59`
Alternative APNs	`120030000700030590000000` `3911 1761`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,890 sqft Living Area
1st Floor Area	1,201 sqft
2nd Floor Area	689 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	135 ft deep x 106 ft wide
Garage Type	Detached
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	552 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 1761
Street Address	72 HUDSON ST
City	ONEONTA
State	NY
Zip	13820-2706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	120
Legal Description	5/23/96
Legal Block	3
Legal Lot Number	59.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2020
Census Tract	590900

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	72 HUDSON ST, ONEONTA, NY 13820-2706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage SIDNEY FEDERAL CREDIT UNION
Oct 22, 2019	Deed of Trust, Mortgage · FHA Mortgage HOMESTEAD FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2019 · Amount on Record
Deed Sale	Oct 23, 2019 · Amount on Record
Deed Document Number	20194852
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Recording Date	Jul 22, 2026
Property Address	72 HUDSON ST, ONEONTA, NY 13820-2706
Document Number	0000003290
Instrument Date	Jul 17, 2026
Instrument	20263290
Transaction Type	Mortgage
Record Updated	Aug 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 HUDSON ST, ONEONTA, NY 13820-2706

Mortgage

Document Number	0000003290,
Date	Jul 22, 2026
Instrument	20263290

Lender

Name	SIDNEY FEDERAL CREDIT UNION

Agreement

Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.47%
Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	72 HUDSON ST, ONEONTA, NY 13820-2706
Document Number	0000004853
Instrument Date	Oct 22, 2019
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18 GAULT AVE ONEONTA NY 138201908, ONEONTA, NY 13820-1908

Mortgage

Document Number	0000004853
Date	Oct 23, 2019
Instrument	4853

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2049

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	$7,370.00 (-8.88%)
2025	$8,088.00	$190,000 (-) Land $22,700 Building $167,300	$267,606 (+14.08%) Land $31,972 Building $235,634
2023		$190,000 Land $22,700 Building $167,300	$234,568 Land $28,025 Building $206,543

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1986–2011)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Severe Storms And Flooding, Jun 2006 · 2 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 85 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

May also be available: Verizon.

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