86 Maple St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 86 Maple St, Oneonta, NY 13820 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,120 sqft · built 1897
Lot Size	0.16 acres (6,970 sqft)
Owner	Company Name on File
Last Sale	$315,000 (May 2022)
Tax Bill	$4,744 (2025)
Deeds & Mortgages	Apr 2023 Transfer May 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`361200 288.14-2-43`

Property Details

APN / Parcel Number

Primary APN	`361200 288.14-2-43`
Alternative APNs	`120028801400020430000000` `3911 2254`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,120 sqft Living Area
1st Floor Area	1,060 sqft
2nd Floor Area	1,060 sqft

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1975
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	138 ft deep x 51 ft wide
Garage Type	Detached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	627 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 2254
Street Address	86 MAPLE ST
City	ONEONTA
State	NY
Zip	13820-1552
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	43.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1013
Census Tract	591000

Owner

Source: Otsego County and Oneonta City records · APN 361200 288.14-2-43

Assessment roll updated April 30, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	9 AVE AT PORT IMPERIAL, WEST NEW YORK, NJ 07093-7115
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2023	Quit Claim Deed, Transfer Quitclaim
May 11, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA
Jun 01, 2021	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK NA
Mar 22, 2021	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 11, 2022 · Amount on Record
Deed Sale	May 11, 2022 · Amount on Record
Prior Sale	Aug 31, 2015 · Amount on Record
Deed Document Number	20222571
Record Updated	Jun 08, 2026

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO NY
Recording Date	Apr 14, 2023
Property Address	86 MAPLE ST, ONEONTA, NY 13820-1552
Document Number	0000000443
Instrument Date	Mar 03, 2023
Instrument	2023-1443
Transaction Type	Transfer
Record Updated	May 02, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 MAIN ST # 2, 2, ONEONTA, NY 13820-2678

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	May 11, 2022
Property Address	86 MAPLE ST, ONEONTA, NY 13820-1552
Document Number	0000000571
Instrument Date	May 06, 2022
Instrument	2022-2571
Transaction Type	Transfer
Record Updated	Jun 07, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	9 AVE AT PORT IMPERIAL APT 314, 314, WEST NEW YORK, NJ 07093-7154

Mortgage

Document Number	0000000575
Date	May 11, 2022
Instrument	2022-2575

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	86 MAPLE ST, ONEONTA, NY 13820-1552
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10
Date	Jun 01, 2021
Instrument	2021-3010

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	86 MAPLE ST, ONEONTA, NY 13820-1552
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	580
Date	Mar 22, 2021
Book Page	2021/1580
Instrument	2021-1580

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified May 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,744.00	$125,000 (-) Land $16,200 Building $108,800	$176,056 (+14.08%) Land $22,817 Building $153,239
2023		$125,000 Land $16,200 Building $108,800	$154,321 Land $20,000 Building $134,321

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Otsego County (36077C), updated March 20, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360775910001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 661 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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