97 Main St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 97 Main St, Oneonta, NY 13820

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2,297 sqft · built 1900
Lot Size	0.32 acres (13,939 sqft)
Owner	Company Name on Record
Last Sale	$175,000 (May 2013)
Tax Bill	$5,441 (2026)
Deeds & Mortgages	Jan 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`361200 300.5-5-61`

Property Details

APN / Parcel Number

Primary APN	`361200 300.5-5-61`
Alternative APNs	`120030000500050610000000` `3911 3889`

Interior

Stories	2 Stories
Building Area	2,297 sqft Gross Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2000
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	193 ft deep x 72 ft wide

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 3889
Street Address	97 MAIN ST
City	ONEONTA
State	NY
Zip	13820-2506
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	340
Legal Block	5
Legal Lot Number	61.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2016
Census Tract	591100

Owner

Source: Otsego County and Oneonta City records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	97 MAIN ST, ONEONTA, NY 13820-2506
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2013 · Amount on Record
Deed Sale	May 22, 2013 · Amount on Record
Prior Sale	Jun 16, 2003 · Amount on Record
Deed Book / Page	2013 / 2685
Record Updated	Oct 29, 2026

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Jan 25, 2017
Property Address	97 MAIN ST, ONEONTA, NY 13820-2506
Document Number	0000000436
Instrument Date	Jan 25, 2017
Instrument	436
Transaction Type	Transfer
Record Updated	Mar 15, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	97 MAIN ST ONEONTA NY 138202506, ONEONTA, NY 13820-2506

Tax Assessment & Valuation

Source: Otsego County and Oneonta City assessment roll, as of April 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,441.00 (+2.47%)
2025	$5,310.00	$140,000 (-) Land $14,000 Building $126,000	$197,183 (+14.08%) Land $19,718 Building $177,465
2023		$140,000 (-) Land $14,000 Building $126,000	$172,840 (+13.58%) Land $17,284 Building $155,556
2022		$140,000 Land $14,000 Building $126,000	$152,174 Land $15,217 Building $136,957

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

Flood

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 Record 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	Remnants Of Tropical Storm Lee, Sep 2011 · 9 claims Severe Storms And Flooding, Jun 2006 · 7 claims

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

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 257 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