89 Maple St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 89 Maple St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,954 sqft · built 1910
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Tax Bill	$5,595 (2025)
Deeds & Mortgages	Jun 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`361200 288.14-1-22`

Property Details

APN / Parcel Number

Primary APN	`361200 288.14-1-22`
Alternative APNs	`120028801400010220000000` `3911 2218`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,954 sqft Living Area
1st Floor Area	1,032 sqft
2nd Floor Area	922 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	157 ft deep x 50 ft wide

Exterior Amenities

Porch	Slab
Porch Area	629 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 2218
Street Address	89 MAPLE ST
City	ONEONTA
State	NY
Zip	13820-1550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	140
Legal Block	1
Legal Lot Number	22.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	1
Census Block	1017
Census Tract	591000

Owner

Source: Otsego County and Oneonta City records · APN 361200 288.14-1-22

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	Individual Name on File
Mailing Address	89 MAPLE ST, ONEONTA, NY 13820-1550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	89 MAPLE ST, ONEONTA, NY 13820-1550
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	162
Date	Jun 08, 2021
Instrument	2021-3162

Lender

Name	WAYNE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jul 01, 2031

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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,595.00	$161,000 (-) Land $17,600 Building $143,400	$226,761 (+14.08%) Land $24,789 Building $201,972
2023		$161,000 Land $17,600 Building $143,400	$198,765 Land $21,728 Building $177,037

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 20, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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
Nearby Flood Claims	1 (1979)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1979 · tidal / storm surge

Wildfire

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

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 661 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ONEONTA CITY serves 15,954 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.