115 Co Hwy 2, Mount Upton, NY 13809 Property Records

Otsego County and Unadilla Town property record for 115 Co Hwy 2, Mount Upton, NY 13809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,707 sqft · built 2013
Lot Size	5.07 acres (220,849 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Dec 2020)
Tax Bill	$4,391 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`366289 327.00-2-4.00`

Property Details

APN / Parcel Number

Primary APN	`366289 327.00-2-4.00`
Alternative APNs	`628932700000020040000000` `203806`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,707 sqft Living Area
1st Floor Area	1,707 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Contemporary
Lot Area	220,849 sqft (5.07 acres)
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	203806
Street Address	115 COUNTY HIGHWAY 2
City	MOUNT UPTON
State	NY
Zip	13809-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	4.000
Jurisdiction	OTSEGO NY
Township / Civil Division	UNADILLA
Census Block Group	1
Census Block	1027
Census Tract	591602

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	115 COUNTY HIGHWAY 2, MOUNT UPTON, NY 13809-2105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 30, 2020 · Amount on Record
Deed Sale	Dec 30, 2020 · Amount on Record
Prior Sale	Jun 24, 2013 · Amount on Record
Deed Document Number	20205983
Prior Transfer Date	Aug 3, 2016
Prior Transfer Doc	2016005497
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Dec 30, 2020
Property Address	115 CO HWY 2, 2, UNADILLA, NY 13849
Document Number	0000005983
Instrument Date	Dec 22, 2020
Instrument	5983
Transaction Type	Transfer
Record Updated	Jan 15, 2021
Title Company	BASSET SETTLEMENT SOLUTIONS LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$820.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 372 SIDNEY NY 138380372, SIDNEY, NY 13838-0372

Mortgage

Document Number	5984
Date	Dec 30, 2020
Instrument	5984

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 29, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,391.00	$108,600 (-) Land $22,300 Building $86,300	$264,878 (+14.63%) Land $54,390 Building $210,488
2023		$108,600 Land $22,300 Building $86,300	$231,064 Land $47,447 Building $183,617

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2006–2011)
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee

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	Direct burnable vegetation

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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3
Frontier DSL	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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