Otsego County and Oneonta City property record for 96 Spruce St, Oneonta, NY 13820
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,334 sqft · built 1896 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,499 (Sep 2015) |
| Tax Bill | $5,671 (2026) |
| Deeds & Mortgages | Aug 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 361200 288.18-3-51 |
| Primary APN | 361200 288.18-3-51 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,334 sqft Total Area |
| 1st Floor Area | 1,227 sqft |
| 2nd Floor Area | 1,107 sqft |
| Year Built | Built 1896 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 132 ft deep x 54 ft wide |
| Garage Type | Detached |
| Garage Area | 1,584 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 72 sqft |
| Patio Area | 35 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 3107 |
|---|---|
| Street Address | 96 SPRUCE ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-1504 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 140 |
| Legal Block | 3 |
| Legal Lot Number | 51.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 591000 |
96 Spruce St, a duplex, is owned and occupied by an individual who acquired it in August 2021.
Source: Otsego County and Oneonta City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 96 SPRUCE ST, ONEONTA, NY 13820-1504 |
| Occupancy | Owner Occupied |
| 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 | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2015 · Amount on File |
| Deed Sale | Sep 23, 2015 · Amount on File |
| Deed Book / Page | 2015 / 4557 |
| Last Transfer Date | Aug 2, 2021 |
| Transfer Doc | 338 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 5, 2021 |
| Property Address | 96 SPRUCE ST, ONEONTA, NY 13820-1504 |
| Document Number | 338 |
| Instrument Date | Aug 2, 2021 |
| Instrument | 2021-4338 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 96 SPRUCE ST, ONEONTA, NY 13820-1504 |
The 2026 property tax bill for 96 Spruce St was $5,671 with a veteran's exemption, up 2.9% 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 | $5,671.00 (+2.92%) Veteran's exemption | ||
| 2025 | $5,510.00 | $150,000 Land $17,600 Building $132,400 | $211,268 Land $24,789 Building $186,479 |
| 2023 | $150,000 Land $17,600 Building $132,400 | $185,185 Land $21,728 Building $163,457 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 96 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 96 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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