Otsego County and Oneonta City property record for 91 Chestnut St, Oneonta, NY 13820
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 2,564 sqft · built 1985 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Company Name on File |
| Last Sale | $247,000 (Aug 2006) |
| Tax Bill | $7,900 (2026) |
| Deeds & Mortgages | Dec 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 300.5-4-28 |
| Primary APN | 361200 300.5-4-28 |
|---|---|
| Alternative APNs |
|
| Units | 2 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,564 sqft Gross Area |
| Basement Area | 1,012 sqft |
| Unfinished Basement | 1,012 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 117 ft deep x 75 ft wide |
| Porch | Slab |
| Porch Area | 48 sqft |
| Heating Fuel | Oil |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 0462 |
|---|---|
| Street Address | 91 CHESTNUT ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2453 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | 420 |
| Legal Block | 4 |
| Legal Lot Number | 28.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 591100 |
91 Chestnut St, a commercial property, is owned by a company that bought it in August 2006.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 91 CHESTNUT ST, ONEONTA, NY 13820-2453 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 2006 · Amount on File |
| Deed Sale | Aug 11, 2006 · Amount on File |
| Prior Sale | Dec 24, 2001 · Amount on File |
| Deed Book / Page | 1096 / 355 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 91 CHESTNUT ST, ONEONTA, NY 13820-2453 |
| Document Number | 0000000844 |
| Instrument Date | Dec 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 91 CHESTNUT ST ONEONTA NY 138202453, ONEONTA, NY 13820-2453 |
| Document Number | 0000000844 |
|---|---|
| Date | Feb 25, 2019 |
| Instrument | 844 |
| Name | THOMAS KOLBERG |
|---|---|
| Address | 644 COUNTY HIGHWAY 48, ONEONTA, NY 13820-3387 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Feb 24, 2034 |
| Rate | 4.61% |
|---|
The 2026 property tax bill for 91 Chestnut St was $7,900, up 2.7% from the year before.
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 |
|---|---|---|---|
| 2026 | $7,900.00 (+2.65%) | ||
| 2025 | $7,696.00 | $200,000 Land $30,000 Building $170,000 | $281,690 Land $42,253 Building $239,437 |
| 2023 | $200,000 Land $30,000 Building $170,000 | $246,914 Land $37,037 Building $209,877 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 91 Chestnut St in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1986.
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 |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 20 (1986–2014) |
| Claims Outside the SFHA | 4 of 20 |
| Most Recent Claim | Feb 2014 |
| 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.
Wildfire risk around 91 Chestnut St is low, with a 0.01% annual chance of wildfire.
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 393 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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