Otsego County and Oneonta City property record for 13 Spruce St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,320 sqft · built 1925 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $76,000 (Aug 2001) |
| Tax Bill | $4,592 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.17-2-10 |
| Primary APN | 361200 288.17-2-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,320 sqft Living Area |
| 1st Floor Area | 696 sqft |
| 2nd Floor Area | 624 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 102 ft deep x 56 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 154 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3040 |
|---|---|
| Street Address | 13 SPRUCE ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 2 |
| Legal Lot Number | 10.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 591000 |
13 Spruce St is owned and occupied by two individuals who bought it in August 2001.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13 SPRUCE ST, ONEONTA, NY 13820-1425 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2001 · Amount on File |
| Deed Sale | Aug 31, 2001 · Amount on File |
| Deed Book / Page | 943 / 236 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 13 Spruce St was $4,592 with a homeowner's exemption, up 15.6% 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 | $4,592.00 (+15.55%) Homeowner's exemption | ||
| 2025 | $3,974.00 | $118,000 Land $13,400 Building $104,600 | $166,197 Land $18,873 Building $147,324 |
| 2023 | $118,000 Land $13,400 Building $104,600 | $145,679 Land $16,543 Building $129,136 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13 Spruce St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 3 (2006–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| 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.
Wildfire risk around 13 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 | Direct burnable vegetation |
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 103 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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