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Single Family ResidenceResidential
$84,115$72 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $75,000 on Oct 24, 2024

49 RIVER ST

ONEONTA, NY 13820
3
Beds
1
Baths
1,176 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2,614 ft²
Lot SizeThe size of the land the home sits on, from county records.
1940
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$84K
$80K low$88K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$75,000 · Oct 24, 2024
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$84,115
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$67,292

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,823 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$74,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$6,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$67,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$74,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$104,225

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.39
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
3
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
54
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
89
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
28
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyOTSEGO
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1970
Lot (acres)The size of the land the home sits on, from county records.0.06
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 135 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Riverside Elementary SchoolC
Elementary · Grades KG–5 · 0.3 mi
M
Oneonta Middle SchoolC+
Middle · Grades 6–8 · 1.7 mi
H
Oneonta Senior High SchoolC+
High · Grades 9–12 · 1.8 mi

District: Oneonta City School District

Neighborhood · ZIP 13820These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.78
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.78
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.39

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.84%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.23,808
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.233 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,044
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,262
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

49 River St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the least valuable homes in Oneonta 13820
  • Costs less per square foot than 98% of homes in Oneonta 13820
  • Smaller than 81% of homes in Oneonta 13820
  • Among the smallest lots in Otsego County

What homes are worth in Oneonta 13820

Each bar is how many homes fall in that price range. The marker is this home.

This home
$94K$512K

This home is worth less than almost all homes in Oneonta 13820.

How it measures up in Oneonta 13820

The dot is this home. The mark in the middle is the typical home in Oneonta 13820.

Estimated value$84,115
CheaperTypical $217,761Pricier

Cheaper than almost all homes nearby

Price per ft²$72
CheaperTypical $146Pricier

Pricier than 2% of homes nearby

Living area1,176 ft²
SmallerTypical 1,584 ft²Bigger

Bigger than 19% of homes nearby

Lot size2,614 ft²
SmallerTypical 0.3 acBigger

Bigger than 2% of homes nearby

Year built1940
OlderTypical 1930Newer

Newer than 55% of homes nearby

How 49 River St ranks against every home in each area.
MeasureThis homeOneonta 13820Otsego County
Estimated valuepricier than$84,115almost no homes3% of homes
Price per ft²pricier than$722% of homes8% of homes
Living areabigger than1,176 ft²19% of homes27% of homes
Lot sizebigger than2,614 ft²2% of homesalmost no homes
Year builtnewer than194055% of homes45% of homes

About 49 River St

How much is 49 River St, Oneonta, NY worth?

The TopHap Estimate for 49 River St, Oneonta, NY is $84,115 as of Jul 14, 2026. The likely range is $80,459 to $87,771. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 49 River St, Oneonta, NY last sell?

49 River St, Oneonta, NY last sold on Oct 24, 2024 for $75,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 49 River St, Oneonta, NY?

49 River St, Oneonta, NY has 3 bedrooms, 1 bathrooms, 1,176 square feet of living space and a 0.06-acre lot.

When was 49 River St, Oneonta, NY built?

49 River St, Oneonta, NY was built in 1940, making it 86 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 49 River St, Oneonta, NY?

49 River St, Oneonta, NY is assigned to Riverside Elementary School (elementary), rated C; Oneonta Middle School (middle), rated C+; Oneonta Senior High School (high), rated C+. All sit in Oneonta City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 49 River St, Oneonta, NY compare to other homes in Oneonta 13820?

Among the 5,784 homes in Oneonta 13820, it is worth more than almost none of them ($84,115 against a typical $217,761), its price per square foot is higher than 2% of them ($72 against a typical $146), it is bigger than 19% of them (1,176 ft² against a typical 1,584 ft²), its lot is bigger than 2% of them (2,614 ft² against a typical 0.3 ac) and it is newer than 55% of them (1940 against a typical 1930). Measured against all of Otsego County, it is worth more than 3% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 49 River St, Oneonta, NY?

The 2025 property tax bill for 49 River St, Oneonta, NY was $2,823. The county assessed it at $74,000.

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Assigned schools

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See this home in context

Open 49 River Ston TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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