Otsego County and Oneonta City property record for 3 Spruce St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,582 sqft · built 1900 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $169,000 (Mar 2015) |
| Tax Bill | $3,975 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.17-1-33 |
| Primary APN | 361200 288.17-1-33 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,582 sqft Living Area |
| 1st Floor Area | 854 sqft |
| 2nd Floor Area | 728 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 235 ft deep x 125 ft wide |
| Garage Type | Mixed |
| Garage Area | 360 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 154 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3039 |
|---|---|
| Street Address | 3 SPRUCE ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 110 |
| Legal Block | 1 |
| Legal Lot Number | 33.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 591700 |
3 Spruce St is owned and occupied by two individuals who bought it in March 2015.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 SPRUCE ST, ONEONTA, NY 13820-1423 |
| 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 | Mar 13, 2015 · Amount on File |
| Deed Sale | Mar 13, 2015 · Amount on File |
| Prior Sale | Jan 6, 2009 · Amount on File |
| Deed Book / Page | 2015 / 1070 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 3 Spruce St was $3,975, up 2.5% 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 | $3,975.00 (+2.5%) | ||
| 2025 | $3,878.00 | $102,000 Land $4,800 Building $97,200 | $143,662 Land $6,761 Building $136,901 |
| 2023 | $102,000 Land $4,800 Building $97,200 | $125,926 Land $5,926 Building $120,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 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
| 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 |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3 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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