Otsego County and Oneonta City property record for 76 Ford Ave, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,872 sqft · built 1887 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $295,000 (Jul 2026) |
| Tax Bill | $6,214 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Nov 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.18-1-16 |
| Primary APN | 361200 288.18-1-16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,872 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| 2nd Floor Area | 672 sqft |
| Year Built | Built 1887 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 117 ft deep x 51 ft wide |
| Garage Type | Detached |
| Garage Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 120 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 1381 |
|---|---|
| Street Address | 76 FORD AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 140 |
| Legal Block | 1 |
| Legal Lot Number | 16.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 591000 |
Source: Otsego County and Oneonta City records, as of August 19, 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 | 30 WEST ST, 3A, ONEONTA, NY 13820-1749 |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Jul 28, 2026 | Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK |
| Nov 30, 2023 | Warranty Deed, Transfer |
| May 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TEACHERS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2026 · Amount on Record |
| Deed Sale | Jul 28, 2026 · Amount on Record |
| Prior Sale | Nov 30, 2023 · Amount on Record |
| Deed Document Number | 20263373 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jul 28, 2026 |
| Property Address | 76 FORD AVE, ONEONTA, NY 13820-1536 |
| Document Number | 0000003373 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 20263373 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Date | Jul 28, 2026 |
|---|
| Name | COMMUNITY BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Nov 30, 2023 |
| Property Address | 76 FORD AVE, ONEONTA, NY 13820-1536 |
| Document Number | 0000000965 |
| Instrument Date | Oct 25, 2023 |
| Instrument | 2023-4965 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3326 COUNTY HIGHWAY 11, HARTWICK, NY 13348-3012 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 76 FORD AVE, ONEONTA, NY 13820-1536 |
| Document Number | 0000001992 |
| Instrument Date | May 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2020 |
| Title Company | INGEO |
| Name | Verified Name |
|---|---|
| Address | 76 FORD AVE ONEONTA NY 138201536, ONEONTA, NY 13820-1536 |
| Document Number | 0000001992 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 1992 |
| Name | TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Address | HAUPPAUGE, NY 11788 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 19, 2030 |
Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,214.00 | $164,000 (-) Land $14,800 Building $149,200 | $230,986 (+14.08%) Land $20,845 Building $210,141 |
| 2023 | Homeowner's exemption Senior Citizen's exemption | $164,000 (-) Land $14,800 Building $149,200 | $202,469 (+13.58%) Land $18,272 Building $184,197 |
| 2022 | $164,000 Land $14,800 Building $149,200 | $178,261 Land $16,087 Building $162,174 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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: 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.
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 |
| 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.
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 |
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