109 Sharrett Rd, Otego, NY 13825 Property Records

Otsego County and Otego Town property record for 109 Sharrett Rd, Otego, NY 13825

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,414 sqft · built 1906
Lot Size	4.42 acres (192,535 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (May 1997)
Tax Bill	$9,572 (2026)
Deeds & Mortgages	Sep 2020 Sale May 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`364889 316.00-1-29.02`

Property Details

APN / Parcel Number

Primary APN	`364889 316.00-1-29.02`
Alternative APNs	`488931600000010290020000` `221592`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,414 sqft Living Area
1st Floor Area	1,584 sqft
2nd Floor Area	2,480 sqft
Upper Floors Area	350 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	192,535 sqft (4.42 acres)
Garage Type	Attached
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	204 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	221592
Street Address	109 SHARRETT RD
City	OTEGO
State	NY
Zip	13825-1102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	992 0 0
Legal Block	1
Legal Lot Number	29.002
Jurisdiction	OTSEGO NY
Township / Civil Division	OTEGO
Census Block Group	2
Census Block	2008
Census Tract	591401

Owner

109 Sharrett Rd is owned and occupied by two individuals who bought it in May 1997.

Source: Otsego County and Otego Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 SHARRETT RD, OTEGO, NY 13825-1102
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
May 21, 2020	Deed of Trust, Mortgage · Line of Credit NBT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 1997 · Amount on File
Deed Sale	May 16, 1997 · Amount on File
Deed Book / Page	801 / 25
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO NY
Recording Date	Sep 28, 2020
Property Address	109 SHARRETT RD, OTEGO, NY 13825-1102
Document Number	0000004167
Instrument Date	Sep 1, 2020
Instrument	4167
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$4.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	109 SHARRET RD OTEGO NY 13825, OTEGO, NY 13825

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	109 SHARRETT RD, OTEGO, NY 13825-1102
Document Number	0000003373
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Sep 7, 2020
Title Company	INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 SHARRET RD OTEGO NY 13825, OTEGO, NY 13825

Mortgage

Document Number	0000003373
Date	Aug 13, 2020
Instrument	3373

Lender

Name	NBT BK
Type	Bank
Address	ONEONTA, NY 13820

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 109 Sharrett Rd was $9,572 with a homeowner's exemption, up 6.8% from the year before.

Source: Otsego County and Otego Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Otego Town
Unified School District	Otego-Unadilla Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,572.00 (+6.79%) Homeowner's exemption
2025	$8,963.00	$350,000 Land $34,600 Building $315,400	$460,526 Land $45,526 Building $415,000
2023		$350,000 Land $34,600 Building $315,400	$376,344 Land $37,204 Building $339,140

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

Flood

FEMA maps place 109 Sharrett Rd 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
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

Wildfire risk around 109 Sharrett Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
OEConnect Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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