Otsego County and Laurens Town property record for 82 Main St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,912 sqft · built 1848 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Nov 2022) |
| Tax Bill | $4,866 (2026) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 363401 240.15-2-53.00 |
| Primary APN | 363401 240.15-2-53.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,912 sqft Living Area |
| 1st Floor Area | 1,028 sqft |
| 2nd Floor Area | 884 sqft |
| Year Built | Built 1848 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 22,216 sqft (0.51 acres) |
| Lot Width | 134 ft Width |
| Porch | Slab |
| Porch Area | 307 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 058400 |
|---|---|
| Street Address | 82 MAIN ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 07 - MIXED |
| Legal Description | 968 0 0 |
| Legal Block | 2 |
| Legal Lot Number | 53.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | LAURENS |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 591402 |
Source: Otsego County and Laurens Town 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 | 3922 MARKRIDGE RD, LA CRESCENTA, CA 91214-1042 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 10, 2022 · Amount on Record |
| Deed Sale | Nov 10, 2022 · Amount on Record |
| Prior Sale | Dec 31, 2014 · Amount on Record |
| Deed Document Number | 20226206 |
| Prior Transfer Date | Nov 11, 2014 |
| Prior Transfer Doc | 2014006101 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Nov 10, 2022 |
| Property Address | 82 MAIN ST, ONEONTA, NY 13820-2508 |
| Document Number | 0000000206 |
| Instrument Date | Nov 4, 2022 |
| Instrument | 2022-6206 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2024 |
| 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 | Tenants by the Entirety |
| Address | 3922 MARKRIDGE RD, GLENDALE, CA 91214-1042 |
| Document Number | 0000000207 |
|---|---|
| Date | Nov 10, 2022 |
| Instrument | 2022-6207 |
| Name | CF BANK NA |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.7% |
| Type Change Date | Dec 1, 2027 |
| Max Rate At Change | 2.7% |
| Index | Other |
Source: Otsego County and Laurens Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Laurens Town |
| Municipality | Laurens Village |
| Unified School District | Laurens Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,866.00 (+1.29%) | ||
| 2025 | $4,804.00 | $152,600 (-) Land $15,600 Building $137,000 | $229,474 (+12.99%) Land $23,459 Building $206,015 |
| 2023 | $152,600 Land $15,600 Building $137,000 | $203,088 Land $20,761 Building $182,327 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 75 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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