116 Ymca Rd, Otego, NY 13825 Property Records

Otsego County and Laurens Town property record for 116 Ymca Rd, Otego, NY 13825

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 2,112 sqft · built 1900
Lot Size	51 acres (2,221,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Sep 2023)
Tax Bill	$6,291 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Feb 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`363489 255.00-2-29.00`

Property Details

APN / Parcel Number

Primary APN	`363489 255.00-2-29.00`
Alternative APNs	`348925500000020290000000` `034900`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,112 sqft Living Area
1st Floor Area	1,344 sqft
2nd Floor Area	768 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	2,221,996 sqft (51 acres)
Lot Width	4,175 ft Width

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Shed	1 Shed
Pole Barn	Pole Barn

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	034900
Street Address	116 YMCA RD
City	OTEGO
State	NY
Zip	13825-2270
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	07 - MIXED
Legal Description	998 0 0
Legal Block	2
Legal Lot Number	29.000
Jurisdiction	OTSEGO NY
Township / Civil Division	LAURENS
Census Block Group	2
Census Block	2057
Census Tract	591402

Owner

Source: Otsego County and Laurens Town records, as of September 23, 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 Record
Mailing Address	116 YMCA RD, OTEGO, NY 13825-2270
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage PARAGON HOME LOANS INC
Feb 3, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance M & T BANK
Dec 1, 2021	Quit Claim Deed, Transfer
Jun 1, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2023 · Amount on Record
Deed Sale	Sep 14, 2023 · Amount on Record
Prior Sale	Jun 1, 2017 · Amount on Record
Deed Document Number	20232023-3740
Prior Transfer Date	Nov 17, 2021
Prior Transfer Doc	0000000703
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Sep 14, 2023
Property Address	116 YMCA RD, OTEGO, NY 13825-2270
Document Number	0000000740
Instrument Date	Aug 21, 2023
Instrument	2023-3740
Transaction Type	Transfer
Record Updated	Oct 3, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	233 HIGHLAND TER W, ONEONTA, NY 13820

Mortgage

Document Number	0000000741
Date	Sep 14, 2023
Instrument	2023-3741

Lender

Name	PARAGON HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	116 YMCA RD, OTEGO, NY 13825-2270
Transaction Type	Mortgage
Record Updated	Mar 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000094
Date	Feb 3, 2022
Instrument	2022-694

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	313 Months
Due	Mar 1, 2048

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO NY
Recording Date	Dec 1, 2021
Property Address	116 YMCA RD, OTEGO, NY 13825-2270
Document Number	0000000703
Instrument Date	Nov 17, 2021
Instrument	2021-6703
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 YMCA RD, OTEGO, NY 13825-2270

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Jun 1, 2017
Property Address	116 YMCA RD, OTEGO, NY 13825-2270
Document Number	0000002508
Instrument Date	Jun 1, 2017
Instrument	2508
Transaction Type	Transfer
Record Updated	Jun 20, 2017

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 YMCA RD OTEGO NY 138252270, OTEGO, NY 13825-2270

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,291.00 (+16.44%)
2025	$5,403.00	$175,000 (-) Land $67,900 Building $107,100	$263,158 (+12.99%) Land $102,105 Building $161,053
2023	Additional exemption filed	$175,000 (-) Land $67,900 Building $107,100	$232,899 (+33.09%) Land $90,365 Building $142,534
2022		$175,000 Land $67,900 Building $107,100	$175,000 Land $67,900 Building $107,100

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	1 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

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

Provider	Max Down / Up (Mbps)
OEConnect Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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