23 Spruce St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 23 Spruce St, Oneonta, NY 13820

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,377 sqft · built 1935
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Trust Names on File
Last Sale	$155,000 (Dec 2002)
Tax Bill	$5,207 (2026)
Deeds & Mortgages	Feb 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`361200 288.17-2-15`

Property Details

APN / Parcel Number

Primary APN	`361200 288.17-2-15`
Alternative APNs	`120028801700020150000000` `3911 3045`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,377 sqft Living Area
1st Floor Area	918 sqft
Upper Floors Area	459 sqft
Game Room	Game Room

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1991
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	434 sqft
Carport	Carport
Carport Area	434 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	224 sqft
Shed	1 Shed
Shed Area	126 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 3045
Street Address	23 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	15.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2002
Census Tract	591000

Owner

23 Spruce St is owner-occupied and held in a trust since December 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	23 SPRUCE ST, ONEONTA, NY 13820-1425
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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	Dec 27, 2002 · Amount on File
Deed Sale	Dec 27, 2002 · Amount on File
Prior Sale	Nov 13, 1996 · Amount on File
Deed Book / Page	992 / 92
Last Transfer Date	Dec 11, 2023
Transfer Doc	0000000086
Record Updated	Oct 29, 2026

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO NY
Recording Date	Feb 5, 2024
Property Address	23 SPRUCE ST, ONEONTA, NY 13820-1425
Document Number	0000000086
Instrument Date	Dec 11, 2023
Instrument	2024-486
Transaction Type	Transfer
Record Updated	Feb 27, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	23 SPRUCE ST, ONEONTA, NY 13820-1425

Tax Assessment & Valuation

The 2026 property tax bill for 23 Spruce St was $5,207 with exemptions applied, up 32.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,207.00 (+32.73%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption
2025	$3,923.00	$139,000 Land $14,800 Building $124,200	$195,775 Land $20,845 Building $174,930
2023		$139,000 Land $14,800 Building $124,200	$171,605 Land $18,272 Building $153,333

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

Flood

FEMA maps place 23 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	Severe Storms And Flooding, Jun 2006 · 2 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 23 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.

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 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