Otsego County and Oneonta City property record for 99 Chestnut St, Oneonta, NY 13820
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 12,000 sqft · built 2008 |
| Lot Size | 2.7 acres (117,612 sqft) |
| Owner | Company Name on Record |
| Last Sale | $8,500,000 (Mar 2022) |
| Tax Bill | $89,800 (2026) |
| Deeds & Mortgages | Mar 2022 Sale Jan 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 300.5-4-17 |
| Primary APN | 361200 300.5-4-17 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 12,000 sqft Gross Area |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Lot Area | 117,612 sqft (2.7 acres) |
| Lot Dimensions | 468 ft deep x 370 ft wide |
| Canopy | 326 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 0467 |
|---|---|
| Street Address | 99 CHESTNUT ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2787 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | 420 |
| Legal Block | 4 |
| Legal Lot Number | 17.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 591100 |
Source: Otsego County and Oneonta City 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 | PO BOX 1159, DEERFIELD, IL 60015-6002 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Mar 21, 2022 | Deed, Transfer |
| Jan 20, 2022 | Deed, Transfer · Stand-Alone First Mortgage THE NORTHERN TRUST CO |
| Oct 31, 2019 | Loan Modification, Mortgage BERKSHIRE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 21, 2022 · Amount on Record |
| Deed Sale | Mar 21, 2022 · Amount on Record |
| Prior Sale | Jan 20, 2022 · Amount on Record |
| Deed Document Number | 20221520 |
| Prior Transfer Date | Oct 30, 1998 |
| Prior Transfer Doc | 0849000260 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Mar 21, 2022 |
| Property Address | 99 CHESTNUT ST, ONEONTA, NY 13820-2787 |
| Document Number | 0000000520 |
| Instrument Date | Mar 4, 2022 |
| Instrument | 2022-1520 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 666 GODWIN AVE # STE12, STE12, MIDLAND PARK, NJ 07432-1449 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jan 20, 2022 |
| Property Address | 99 CHESTNUT ST, ONEONTA, NY 13820-2787 |
| Document Number | 0000000095 |
| Instrument Date | Jan 11, 2022 |
| Instrument | 2022-395 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2500 SAND HILL RD # STE24, STE24, MENLO PARK, CA 94025-7061 |
| Document Number | 0000000096 |
|---|---|
| Date | Jan 20, 2022 |
| Instrument | 2022-396 |
| Name | THE NORTHERN TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 99 CHESTNUT ST, ONEONTA, NY 13820-2787 |
| Document Number | 0000005462 |
| Instrument Date | Oct 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3409 QUEENS BLVD LONG ISLAND CITY NY 111012318, LONG ISLAND CITY, NY 11101-2318 |
| Document Number | 0000005462 |
|---|---|
| Date | Nov 19, 2019 |
| Instrument | 5462 |
| Name | BERKSHIRE BK |
|---|---|
| Type | Bank |
| Address | 30 S PEARL ST, ALBANY, NY 12207-3427 |
| Amount | Amount Recorded |
|---|
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 | $89,800.00 (+3.11%) | ||
| 2025 | $87,095.00 | $2,200,000 (-) Land $270,000 Building $1,930,000 | $3,098,592 (+14.08%) Land $380,282 Building $2,718,310 |
| 2023 | $2,200,000 (-) Land $270,000 Building $1,930,000 | $2,716,049 (+13.58%) Land $333,333 Building $2,382,716 | |
| 2022 | $2,200,000 Land $270,000 Building $1,930,000 | $2,391,304 Land $293,478 Building $2,097,826 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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 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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