Otsego County and Oneonta Town property record for 9 Richards Ave, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,130 sqft · built 1968 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Company Name on Record |
| Last Sale | $220,000 (Sep 2025) |
| Tax Bill | $4,124 (2026) |
| Deeds & Mortgages | Sep 2025 Sale Jul 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 364600 299.07-1-30.00 |
| Primary APN | 364600 299.07-1-30.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,130 sqft Living Area |
| 1st Floor Area | 1,130 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 184 ft deep x 75 ft wide |
| Garage Type | Basement |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 120000 |
|---|---|
| Street Address | 9 RICHARDS AVE |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 971 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 30.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 590800 |
Source: Otsego County and Oneonta 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 | Company Name on Record |
|---|---|
| Mailing Address | 9 RICHARDS AVE, ONEONTA, NY 13820-1122 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Sep 23, 2025 | Warranty Deed, Transfer |
| Jul 24, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES FCU |
| Jan 29, 2019 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2025 · Amount on Record |
| Deed Sale | Sep 23, 2025 · Amount on Record |
| Deed Document Number | 20253712 |
| Prior Transfer Date | Sep 5, 2012 |
| Prior Transfer Doc | 0020124492 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Sep 23, 2025 |
| Property Address | 9 RICHARDS AVE, ONEONTA, NY 13820-1122 |
| Document Number | 0000000712 |
| Instrument Date | Sep 8, 2025 |
| Instrument | 2025-3712 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 9 RICHARDS AVE, ONEONTA, NY 13820-1122 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000000915 |
|---|---|
| Date | Jul 24, 2023 |
| Instrument | 2023-2915 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 1, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 9 RICHARDS AVE, ONEONTA, NY 13820-1122 |
| Document Number | 0000000720 |
| Instrument Date | Jan 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2019 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 9 RICHARDS AVE ONEONTA NY 138201122, ONEONTA, NY 13820-1122 |
| Document Number | 0000000720 |
|---|---|
| Date | Feb 14, 2019 |
| Instrument | 720 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Otsego County and Oneonta Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Oneonta Town |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,124.00 (+39.09%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $2,965.00 (+1.3%) | $128,800 (-) Land $24,100 Building $104,700 | $184,000 (+2.86%) Land $34,429 Building $149,571 |
| 2024 | $2,927.00 (+147.42%) Homeowner's exemption Senior Citizen's exemption | $128,800 (-) Land $24,100 Building $104,700 | $178,889 (+8.33%) Land $33,472 Building $145,417 |
| 2023 | $1,183.00 Homeowner's exemption Senior Citizen's exemption | $128,800 (-) Land $24,100 Building $104,700 | $165,128 (+12.82%) Land $30,897 Building $134,231 |
| 2022 | $128,800 Land $24,100 Building $104,700 | $146,364 Land $27,386 Building $118,978 |
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 |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 5 (2006–2013) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Jul 2013 · river or lake flooding |
| Claims by Event |
|
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 376 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 |
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