Otsego County and Oneonta City property record for 53 Spruce St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,768 sqft · built 1893 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Company Name on Record |
| Last Sale | $132,000 (Aug 2020) |
| Tax Bill | $5,518 (2026) |
| Deeds & Mortgages | Aug 2022 Line of Credit Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.17-2-81 |
| Primary APN | 361200 288.17-2-81 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,768 sqft Living Area |
| 1st Floor Area | 884 sqft |
| 2nd Floor Area | 884 sqft |
| Year Built | Built 1893 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 100 ft deep x 67 ft wide |
| Garage Type | Attached |
| Garage Area | 364 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 144 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3057 |
|---|---|
| Street Address | 53 SPRUCE ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 2 |
| Legal Lot Number | 81.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2003 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 53 SPRUCE ST, ONEONTA, NY 13820-1437 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Aug 29, 2022 | Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU |
| Aug 6, 2020 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 6, 2020 · Amount on Record |
| Deed Sale | Aug 6, 2020 · Amount on Record |
| Prior Sale | Oct 15, 2008 · Amount on Record |
| Deed Document Number | 20203204 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 53 SPRUCE ST, ONEONTA, NY 13820-1437 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000733 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 2022-4733 |
| Name | QUORUM FEDERAL CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 6, 2020 |
| Property Address | 53 SPRUCE ST, ONEONTA, NY 13820-1437 |
| Document Number | 0000003204 |
| Instrument Date | Jun 15, 2020 |
| Instrument | 3204 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2020 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $528.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1984 WASHINGTON AVE ONEONTA NY 13820, ONEONTA, NY 13820 |
| Document Number | 3205 |
|---|---|
| Date | Aug 6, 2020 |
| Instrument | 3205 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 5, 2050 |
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 | $5,518.00 (+2.47%) | ||
| 2025 | $5,385.00 | $142,000 (-) Land $15,500 Building $126,500 | $200,000 (+14.08%) Land $21,831 Building $178,169 |
| 2023 | $142,000 Land $15,500 Building $126,500 | $175,309 Land $19,136 Building $156,173 |
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 |
|---|---|
| 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures