10 Spencer Dr, Oneonta, NY 13820 Property Records

Otsego County and Oneonta Town property record for 10 Spencer Dr, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,100 sqft · built 1960
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$134,000 (Jul 2015)
Tax Bill	$3,266 (2026)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`364600 287.19-1-56.00`

Property Details

APN / Parcel Number

Primary APN	`364600 287.19-1-56.00`
Alternative APNs	`460028701900010560000000` `049510`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,100 sqft Living Area
1st Floor Area	1,100 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	8,712 sqft (0.2 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	049510
Street Address	10 SPENCER DR
City	ONEONTA
State	NY
Zip	13820-1125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	982 0 0
Legal Block	1
Legal Lot Number	56.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2035
Census Tract	590800

Owner

10 Spencer Dr is owned and occupied by two individuals who bought it in July 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	6 DIETZ ST, 5, ONEONTA, NY 13820-1879
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2015 · Amount on File
Deed Sale	Jul 8, 2015 · Amount on File
Prior Sale	Dec 6, 2006 · Amount on File
Deed Book / Page	2015 / 3108
Prior Transfer Date	Nov 10, 2012
Prior Transfer Doc	0020126519
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	10 SPENCER DR, ONEONTA, NY 13820-1125
Document Number	0000002247
Instrument Date	Jun 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	CASCADE SETTLEMENT AGENCY, CASCADE SETTLEMENT AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 SPENCER DR ONEONTA NY 138201125, ONEONTA, NY 13820-1125

Mortgage

Document Number	0000002247
Date	Jun 8, 2020
Instrument	2247

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 10 Spencer Dr was $3,266 with exemptions applied, up 1.6% from the year before.

Source: Otsego County and Oneonta Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Oneonta Town
Unified School District	Oneonta City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,266.00 (+1.65%) Disabled Person's exemption Veteran's exemption
2025	$3,213.00	$111,600 Land $21,900 Building $89,700	$159,429 Land $31,286 Building $128,143
2023	$622.00 Disabled Person's exemption Veteran's exemption	$111,600 (-) Land $21,900 Building $89,700	$143,077 (+12.82%) Land $28,077 Building $115,000
2022		$111,600 Land $21,900 Building $89,700	$126,818 Land $24,886 Building $101,932

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

Flood

FEMA maps place 10 Spencer Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2006.

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	5 (2006–2013)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jul 2013 · river or lake flooding
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 3 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

Wildfire risk around 10 Spencer Dr 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.

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 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000