Otsego County and Oneonta City property record for 100 Spruce St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,268 sqft · built 1900 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Company Name on File |
| Last Sale | $105,000 (Mar 2021) |
| Tax Bill | $4,091 (2026) |
| Deeds & Mortgages | Jan 2024 Sale Sep 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.18-3-76 |
| Primary APN | 361200 288.18-3-76 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,268 sqft Living Area |
| 1st Floor Area | 776 sqft |
| Upper Floors Area | 492 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 112 ft deep x 50 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 122 sqft |
| Patio Area | 96 sqft |
| Shed | 1 Shed |
| Shed Area | 24 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3108 |
|---|---|
| Street Address | 100 SPRUCE ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1544 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 140 |
| Legal Block | 3 |
| Legal Lot Number | 76.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 591000 |
100 Spruce St is owned by a company that bought it in March 2021.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 100 SPRUCE ST, ONEONTA, NY 13820-1544 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 9, 2024 | Warranty Deed, Transfer |
| Sep 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Mar 5, 2021 | Warranty Deed, Transfer |
| Jan 16, 2018 | Grant Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 5, 2021 · Amount on File |
| Deed Sale | Mar 5, 2021 · Amount on File |
| Prior Sale | Oct 2, 2019 · Amount on File |
| Deed Document Number | 20211246 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jan 9, 2024 |
| Property Address | 100 SPRUCE ST, ONEONTA, NY 13820-1544 |
| Document Number | 0000000040 |
| Instrument Date | Jan 3, 2024 |
| Instrument | 2024-140 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 100 SPRUCE ST, ONEONTA, NY 13820-1544 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 100 SPRUCE ST, ONEONTA, NY 13820-1544 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 85 |
|---|---|
| Date | Sep 14, 2021 |
| Instrument | 2021-5085 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Mar 5, 2021 |
| Property Address | 100 SPRUCE ST, ONEONTA, NY 13820-1544 |
| Document Number | 0000000246 |
| Instrument Date | Feb 5, 2021 |
| Instrument | 2021-1246 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15727 CUTTEN RD APT 427, 427, HOUSTON, TX 77070-3896 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jan 16, 2018 |
| Property Address | 100 SPRUCE ST, ONEONTA, NY 13820-1544 |
| Document Number | 0000000215 |
| Instrument Date | Oct 31, 2017 |
| Instrument | 215 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 81 EAGLE RIDGE WAY NANUET NY 109541046, NANUET, NY 10954-1046 |
The 2026 property tax bill for 100 Spruce St was $4,091, down 41.2% from the year before.
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 | $4,091.00 (-41.18%) | ||
| 2025 | $6,955.00 | $105,000 Land $14,800 Building $90,200 | $147,887 Land $20,845 Building $127,042 |
| 2023 | $120,000 (-) Land $14,800 Building $105,200 | $148,148 (+13.58%) Land $18,272 Building $129,876 | |
| 2022 | $120,000 Land $14,800 Building $105,200 | $130,435 Land $16,087 Building $114,348 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 100 Spruce St in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
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 risk around 100 Spruce St 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.
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 661 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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