Otsego County and Milford Town property record for 116 E Main St, Milford, NY 13807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,153 sqft · built 1880 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $149,900 (Nov 2022) |
| Tax Bill | $3,775 (2026) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 364001 194.20-2-84.00 |
| Primary APN | 364001 194.20-2-84.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,153 sqft Living Area |
| 1st Floor Area | 1,371 sqft |
| Upper Floors Area | 782 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 16,117 sqft (0.37 acres) |
| Lot Width | 68 ft Width |
| Garage Type | Attached |
| Garage Area | 416 sqft |
| Parking Spaces | 2 Parking Spaces |
| Canopy | 200 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 045200 |
|---|---|
| Street Address | 116 E MAIN ST |
| City | MILFORD |
| State | NY |
| Zip | 13807-1101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 959 0 0 |
| Legal Block | 2 |
| Legal Lot Number | 84.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | MILFORD |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 590500 |
116 E Main St is owned and occupied by two individuals who bought it in November 2022.
Source: Otsego County and Milford Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 116 E MAIN ST, MILFORD, NY 13807-1101 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2022 · Amount on File |
| Deed Sale | Nov 2, 2022 · Amount on File |
| Deed Document Number | 20226045 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Nov 2, 2022 |
| Property Address | 116 E MAIN ST, MILFORD, NY 13807-1101 |
| Document Number | 0000000045 |
| Instrument Date | Nov 1, 2022 |
| Instrument | 2022-6045 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 79 CHARLOTTE CREEK RD, ONEONTA, NY 13820-4247 |
| Document Number | 0000000046 |
|---|---|
| Date | Nov 2, 2022 |
| Instrument | 2022-6046 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 116 E Main St was $3,775, up 4.6% from the year before.
Source: Otsego County and Milford Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Milford Town |
| Municipality | Milford Village |
| Unified School District | Milford Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,775.00 (+4.57%) | ||
| 2025 | $3,610.00 | $130,000 Land $14,800 Building $115,200 | $185,714 Land $21,143 Building $164,571 |
| 2023 | $130,000 Land $14,800 Building $115,200 | $157,576 Land $17,939 Building $139,637 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 116 E Main St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1993.
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 | 4 (1993–2011) |
| 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.
Wildfire risk around 116 E Main 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 | MILFORD VILLAGE serves 407 people · EPA ID NY3800152 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Nitrate resolved · Jul 2025 |
|---|---|
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 144 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 |
May also be available: T-Mobile.
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