Otsego County and Oneonta City property record for 4 Spruce St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,852 sqft · built 1966 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $170,000 (Jul 2019) |
| Tax Bill | $6,599 (2026) |
| Deeds & Mortgages | Jul 2019 Sale Oct 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.17-1-20 |
| Primary APN | 361200 288.17-1-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,852 sqft Living Area |
| 1st Floor Area | 1,452 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Game Room | Game Room |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 30,056 sqft (0.69 acres) |
| Lot Dimensions | 120 ft deep x 305 ft wide |
| Garage Type | Basement |
| Porch | Slab |
| Porch Area | 49 sqft |
| Canopy | 91 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3080 |
|---|---|
| Street Address | 4 SPRUCE ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1424 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 110 |
| Legal Description | 0301440 0897410 LOTS 152-156 |
| Legal Block | 1 |
| Legal Lot Number | 20.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 591700 |
4 Spruce St is owned and occupied by two individuals who bought it in July 2019.
Source: Otsego County and Oneonta City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 SPRUCE ST, ONEONTA, NY 13820-1424 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 23, 2019 | Warranty Deed, Transfer BUTTICE ABSTRACT AND RESEARCH, BUTTICE ABS & RESEARCH |
| Oct 4, 2017 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2019 · Amount on File |
| Deed Sale | Jul 23, 2019 · Amount on File |
| Prior Sale | Oct 4, 2017 · Amount on File |
| Deed Document Number | 20193232 |
| Prior Transfer Date | Nov 17, 2009 |
| Prior Transfer Doc | 1127000553 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jul 23, 2019 |
| Property Address | 4 SPRUCE ST, ONEONTA, NY 13820-1424 |
| Document Number | 0000003232 |
| Instrument Date | Jul 1, 2019 |
| Instrument | 3232 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2019 |
| Title Company | BUTTICE ABSTRACT AND RESEARCH, BUTTICE ABS & RESEARCH |
| Amount | Amount on Record |
|---|---|
| Tax | $680.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 FARONE DR #B11 ONEONTA NY 138201337, B11, ONEONTA, NY 13820-1337 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 4, 2017 |
| Property Address | 4 SPRUCE ST, ONEONTA, NY 13820-1424 |
| Document Number | 0000004838 |
| Instrument Date | Aug 9, 2017 |
| Instrument | 4838 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 SPRUCE ST ONEONTA NY 138201424, ONEONTA, NY 13820-1424 |
The 2026 property tax bill for 4 Spruce St was $6,599, 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 | $6,599.00 (+2.47%) | ||
| 2025 | $6,440.00 | $170,000 Land $33,800 Building $136,200 | $239,437 Land $47,606 Building $191,831 |
| 2023 | $170,000 Land $33,800 Building $136,200 | $209,877 Land $41,728 Building $168,149 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Spruce St in Zone X, an area of minimal flood risk, within 100 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 100 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 4 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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