45 Spruce St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 45 Spruce St, Oneonta, NY 13820

Property Summary

Property Type	Triplex
Details	4 bd · 3 ba · 1,732 sqft · built 1910
Lot Size	0.12 acres (5,227 sqft)
Owner	Company Name on File
Last Sale	$125,000 (Jul 2023)
Tax Bill	$5,521 (2026)
Deeds & Mortgages	Jul 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`361200 288.17-2-70`

Property Details

APN / Parcel Number

Primary APN	`361200 288.17-2-70`
Alternative APNs	`120028801700020700000000` `3911 3053`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Units	3 Units
Stories	2 Stories
Building Area	1,732 sqft Total Area
1st Floor Area	866 sqft
2nd Floor Area	866 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1981
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	92.4 ft deep x 55 ft wide
Porch	Slab
Porch Area	178 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 3053
Street Address	45 SPRUCE ST
City	ONEONTA
State	NY
Zip	13820-1461
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	120
Legal Block	2
Legal Lot Number	70.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2008
Census Tract	591000

Owner

45 Spruce St, a triplex, is owned by a company that bought it in July 2023.

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

Owner of Record	Company Name on File
Mailing Address	266 RADIO AVE, MILLER PLACE, NY 11764-3526
Owner Type	Company
Vesting	Company

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	Name on Deed
Last Sale	Jul 10, 2023 · Amount on File
Deed Sale	Jul 10, 2023 · Amount on File
Prior Sale	Sep 12, 2005 · Amount on File
Deed Document Number	20232023-2706
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Jul 10, 2023
Property Address	45 SPRUCE ST, ONEONTA, NY 13820-1461
Document Number	0000000706
Instrument Date	Jul 7, 2023
Instrument	2023-2706
Transaction Type	Transfer
Record Updated	Aug 1, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	266 RADIO AVE, MILLER PLACE, NY 11764-3526

Tax Assessment & Valuation

The 2026 property tax bill for 45 Spruce St was $5,521, down 9.1% 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	$5,521.00 (-9.1%)
2025	$6,074.00	$140,000 Land $13,400 Building $126,600	$197,183 Land $18,873 Building $178,310
2023		$140,000 (-) Land $13,400 Building $126,600	$172,840 (+13.58%) Land $16,543 Building $156,297
2022		$140,000 Land $13,400 Building $126,600	$152,174 Land $14,565 Building $137,609

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

Flood

FEMA maps place 45 Spruce St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2006.

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
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 45 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