Oneonta, NY · Otsego County
When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing.
Yes. USA Home Buyers buys houses as-is in the City of Oneonta and across Otsego County, including houses with back taxes or liens. You can ask about selling before you have every payoff figure.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006 to talk through the property and the records you have.
Start with the property address and whichever notice, payoff statement, or account details you have.
Tell us about the property and the lien, tax bill, or notice you have.
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
The creditor or tax office confirms the current balance and payment instructions. The title company checks ownership and recorded claims, then works with them on the payoff information for closing.
Your mortgage payoff, liens, back taxes, and share of current property taxes are separate from the closing costs we pay.
The property address is enough to start. A tax bill or notice, parcel number, mortgage or creditor statement, lien or judgment notice, court case number, deed, or sale notice can help. You can call before you have every paper or know the final payoff.
The creditor or tax office named on a notice confirms its current balance and instructions. The title company checks recorded property claims and coordinates payoff information for closing.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Share the Oneonta address, the notice or payoff question, and any date you are watching. Start with what you have; you do not need to solve the records before calling.
We review the house as it stands and give you a written cash offer within 24 hours. You see the written offer and terms before you commit.
If you want to proceed, a title company checks ownership and recorded claims. The creditor or tax office provides current payoff or release instructions for the obligations it handles.
The closing statement shows the sale price, payoffs, taxes, closing costs, and the amount left after those items. Your liens are paid from the sale at closing, and the sale closes through a title company.
The City of Oneonta and Town of Oneonta are separate municipalities. If you are not sure which office handles your tax question, call us — we will sort it out with you. See Otsego County municipal information →
A property-tax sale notice and a lender's mortgage foreclosure are different matters. New York mortgage foreclosures go through court, and a referee conducts the foreclosure sale. If you have a tax-sale notice, call us with it and we will talk through the next step.
For the court process, read the New York Courts foreclosure guidance or see the Oneonta foreclosure page.
Contact City Finance about a City property-tax bill or payment. The office is at City Hall, 258 Main Street, Oneonta, NY 13820; call 607-432-0560.
Open the City Finance Department page →For parcel lookup and mapping, call Real Property Tax Services at 607-547-4221. For the amount due on county taxes, call the County Treasurer at 607-547-4235.
Open Otsego County Real Property Tax Services →The County Clerk maintains recorded land records such as deeds and mortgages. The office is at 197 Main Street, Cooperstown, NY 13326; call 607-547-4276.
Open the Otsego County Clerk page →For a sale price over $500, New York State real estate transfer tax is $2 for each $500 of price, or part of $500. That is $400 on a $100,000 sale before any local tax or exemption. The seller normally pays this base tax, though the sale agreement can provide otherwise; local transfer taxes may add to it. A separate 1% mansion tax on residential sales of $1 million or more is normally paid by the buyer.
A mortgage, liens, back taxes, and your share of current property taxes are separate from closing costs.
When you sell to us, we pay the closing costs, including New York State real estate transfer tax and any applicable local real estate transfer taxes.
Read New York State transfer-tax guidance →Call 888-274-5006 or use the form above. You can call while you are still gathering records.
Estimate possible sale proceeds with the Oneonta home-sale calculator. Open the Oneonta home-sale net proceeds calculator →
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing. When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing. The creditor or tax office confirms the current amount and instructions, and the title company checks the property records for closing.
The creditor or tax office named on the notice confirms its current balance and payoff or release instructions. The title company checks the property records and coordinates the information needed for closing.
The property address is enough to start. A parcel number, tax bill or notice, mortgage or creditor statement, lien or judgment notice, court case number, deed, or sale notice can help. Call even if you do not have every paper.
No. A property-tax sale notice and a mortgage foreclosure are different matters. New York mortgage foreclosures go through court, and a referee conducts the foreclosure sale. If you have a tax-sale notice, call us with it and we will talk through the next step.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
A mortgage payoff, liens, back taxes, and your share of current property taxes are separate from closing costs. When you sell to us, we pay the closing costs, including New York State real estate transfer tax and any applicable local real estate transfer taxes.
We talk through the property and the records you have, review the house as it stands, and give you a written cash offer and written terms before you commit. If you choose to proceed, a title company checks ownership and recorded claims and works with the creditor or tax office on payoff information for closing.