Otsego County and Oneonta City property record for 27 Spruce St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,750 sqft · built 1910 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $280,000 (Feb 2024) |
| Tax Bill | $9,358 (2026) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.17-2-16 |
| Primary APN | 361200 288.17-2-16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,750 sqft Living Area |
| 1st Floor Area | 950 sqft |
| 2nd Floor Area | 800 sqft |
| Upper Floors Area | 468 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 66 ft deep x 128 ft wide |
| Garage Type | Detached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 100 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3046 |
|---|---|
| Street Address | 27 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 | 16.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 591000 |
Source: Otsego County and Oneonta City records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 27 SPRUCE ST, ONEONTA, NY 13820-1425 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 1, 2024 | Warranty Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA |
| Aug 13, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2024 · Amount on Record |
| Deed Sale | Feb 1, 2024 · Amount on Record |
| Prior Sale | Aug 13, 2021 · Amount on Record |
| Deed Document Number | 2024462 |
| Prior Transfer Date | Apr 1, 2005 |
| Prior Transfer Doc | 0010810115 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Feb 1, 2024 |
| Property Address | 27 SPRUCE ST, ONEONTA, NY 13820-1425 |
| Document Number | 0000000062 |
| Instrument Date | Jan 30, 2024 |
| Instrument | 2024-462 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 184 MAIN ST, OTEGO, NY 13825 |
| Document Number | 0000000063 |
|---|---|
| Date | Feb 1, 2024 |
| Instrument | 2024-463 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 13, 2021 |
| Property Address | 27 SPRUCE ST, ONEONTA, NY 13820-1425 |
| Document Number | 511 |
| Instrument Date | Jul 19, 2021 |
| Instrument | 2021-4511 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2139 BROADWAY AVE SW, ROANOKE, VA 24014-1719 |
| Document Number | 512 |
|---|---|
| Date | Aug 13, 2021 |
| Instrument | 2021-4512 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $9,358.00 (-10.09%) Disabled Person's exemption Veteran's exemption | ||
| 2025 | $10,408.00 | $272,000 (-) Land $17,600 Building $254,400 | $383,099 (+14.08%) Land $24,789 Building $358,310 |
| 2023 | $272,000 (-) Land $17,600 Building $254,400 | $335,802 (+13.58%) Land $21,728 Building $314,074 | |
| 2022 | $272,000 Land $17,600 Building $254,400 | $295,652 Land $19,130 Building $276,522 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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