Otsego County and Oneonta City property record for 86 Spruce St, Oneonta, NY 13820
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 1,734 sqft · built 1900 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $114,000 (Jan 2016) |
| Tax Bill | $4,902 (2026) |
| Deeds & Mortgages | Oct 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.18-3-48 |
| Primary APN | 361200 288.18-3-48 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,734 sqft Total Area |
| 1st Floor Area | 1,006 sqft |
| 2nd Floor Area | 728 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,614 sqft (0.06 acres) |
| Lot Dimensions | 58 ft deep x 43 ft wide |
| Porch | Slab |
| Porch Area | 460 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3106 |
|---|---|
| Street Address | 86 SPRUCE ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1543 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 140 |
| Legal Block | 3 |
| Legal Lot Number | 48.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 591000 |
86 Spruce St, a duplex, is owned by two individuals who bought it in January 2016.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 254 WEST ST, ONEONTA, NY 13820-4704 |
| 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 | Jan 4, 2016 · Amount on File |
| Deed Sale | Jan 4, 2016 · Amount on File |
| Prior Sale | Oct 28, 2005 · Amount on File |
| Deed Book / Page | 2016 / 4 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 86 SPRUCE ST, ONEONTA, NY 13820-1543 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 24 |
|---|---|
| Date | Oct 29, 2021 |
| Instrument | 2021-6024 |
| Name | SIDNEY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 86 Spruce St was $4,902, up 2.6% 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 | $4,902.00 (+2.57%) | ||
| 2025 | $4,779.00 | $125,000 Land $72,000 Building $53,000 | $176,056 Land $101,408 Building $74,648 |
| 2023 | $125,000 Land $72,000 Building $53,000 | $154,321 Land $88,889 Building $65,432 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 86 Spruce St in Zone X, an area of minimal flood risk.
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 | 2 in force |
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 risk around 86 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.
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 |
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