Otsego County and Otego Town property record for 117 Circle Dr, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,264 sqft · built 1970 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $172,900 (Dec 2019) |
| Tax Bill | $4,067 (2025) |
| Deeds & Mortgages | Dec 2019 Sale & Mortgage Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 364889 324.18-1-37.00 |
| Primary APN | 364889 324.18-1-37.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,264 sqft Living Area |
| 1st Floor Area | 1,264 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 24,829 sqft (0.57 acres) |
| Lot Dimensions | 200 ft deep x 125 ft wide |
| Garage Type | Attached |
| Garage Area | 588 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 205 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 031840 |
|---|---|
| Street Address | 117 CIRCLE DR |
| City | OTEGO |
| State | NY |
| Zip | 13825-2195 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 987UNDERWOOD SUB 0 800 |
| Legal Block | 1 |
| Legal Lot Number | 37.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 591401 |
Source: Otsego County and Otego Town records, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 117 CIRCLE DR, OTEGO, NY 13825-2195 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 18, 2019 | Warranty Deed, Transfer · VA Mortgage HOMESTEAD FNDG |
| Dec 10, 2019 | Deed of Trust, Mortgage · VA Mortgage HOMESTEAD FNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 18, 2019 · Amount on Record |
| Deed Sale | Dec 18, 2019 · Amount on Record |
| Prior Sale | Mar 3, 2016 · Amount on Record |
| Deed Document Number | 20195913 |
| Prior Transfer Date | May 23, 2007 |
| Prior Transfer Doc | 0011040810 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Dec 18, 2019 |
| Property Address | 117 CIRCLE DR, OTEGO, NY 13825-2195 |
| Document Number | 0000005913 |
| Instrument Date | Dec 10, 2019 |
| Instrument | 5913 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $691.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 GARDNER PL #54 ONEONTA NY 138201606, 54, ONEONTA, NY 13820-1606 |
| Document Number | 5914 |
|---|---|
| Date | Dec 18, 2019 |
| Instrument | 5914 |
| Name | HOMESTEAD FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | ALBANY, NY 12205 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 17, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 117 CIRCLE DR, OTEGO, NY 13825-2195 |
| Document Number | 0000005914 |
| Instrument Date | Dec 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 20 GARDNER PL #54 ONEONTA NY 138201606, 54, ONEONTA, NY 13820-1606 |
| Document Number | 0000005914 |
|---|---|
| Date | Dec 18, 2019 |
| Instrument | 5914 |
| Name | HOMESTEAD FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | ALBANY, NY 12205 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 17, 2049 |
Source: Otsego County and Otego Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Otego Town |
| Unified School District | Otego-Unadilla Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,067.00 | $158,000 (-) Land $25,700 Building $132,300 | $207,895 (+22.37%) Land $33,816 Building $174,079 |
| 2023 | $158,000 Land $25,700 Building $132,300 | $169,892 Land $27,634 Building $142,258 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WELLS BRIDGE WATER ASSOC. private · serves 85 people · EPA ID NY3800159 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2021 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | No certified operator Nov 2023 |
| Monitoring and Reporting | 1 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 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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