49 Spruce St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 49 Spruce St, Oneonta, NY 13820

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,060 sqft · built 1895
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$193,800 (Dec 2021)
Tax Bill	$5,404 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361200 288.17-2-79`

Property Details

APN / Parcel Number

Primary APN	`361200 288.17-2-79`
Alternative APNs	`120028801700020790000000` `3911 3055`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,060 sqft Total Area
1st Floor Area	1,010 sqft
2nd Floor Area	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1981
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	132 ft deep x 55 ft wide

Exterior Amenities

Porch	Slab
Porch Area	462 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3911 3055
Street Address	49 SPRUCE ST
City	ONEONTA
State	NY
Zip	13820-1437
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	120
Legal Block	2
Legal Lot Number	79.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2003
Census Tract	591000

Owner

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 Record
Mailing Address	3200 NANTUCKET LN, OCEANSIDE, NY 11572-4419
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2021 · Amount on Record
Deed Sale	Dec 20, 2021 · Amount on Record
Prior Sale	May 7, 2010 · Amount on Record
Deed Document Number	20217079
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Dec 20, 2021
Property Address	49 SPRUCE ST, ONEONTA, NY 13820-1437
Document Number	0000000079
Instrument Date	Dec 8, 2021
Instrument	2021-7079
Transaction Type	Transfer
Record Updated	Jan 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3200 NANTUCKET LN, OCEANSIDE, NY 11572-4419

Mortgage

Document Number	0000000080
Date	Dec 20, 2021
Instrument	2021-7080

Lender

Name	NATIONWIDE MORTGAGE BANKERS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$5,404.00 (+2.56%)
2025	$5,269.00	$138,000 (-) Land $16,900 Building $121,100	$194,366 (+14.08%) Land $23,803 Building $170,563
2023		$138,000 Land $16,900 Building $121,100	$170,370 Land $20,864 Building $149,506

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

Flood

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

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