Otsego County and Otego Town property record for 12 River St, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,592 sqft · built 1901 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,898 (2026) |
| Deeds & Mortgages | Apr 2024 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 364801 317.15-2-32.00 |
| Primary APN | 364801 317.15-2-32.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,592 sqft Living Area |
| 1st Floor Area | 1,296 sqft |
| 2nd Floor Area | 1,296 sqft |
| Year Built | Built 1901 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 165 ft deep x 67 ft wide |
| Garage Type | Detached |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 586 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 000695 |
|---|---|
| Street Address | 12 RIVER ST |
| City | OTEGO |
| State | NY |
| Zip | 13825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 2 |
| Legal Lot Number | 32.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 591401 |
12 River St is owned and occupied by an individual who acquired it in April 2024.
Source: Otsego County and Otego Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 77, OTEGO, NY 13825-0077 |
| 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 | Name on Deed |
|---|---|
| Last Transfer Date | Apr 3, 2024 |
| Transfer Doc | 0000000376 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Apr 11, 2024 |
| Property Address | 12 RIVER ST, OTEGO, NY 13825 |
| Document Number | 0000000376 |
| Instrument Date | Apr 3, 2024 |
| Instrument | 2024-1376 |
| Transaction Type | Transfer |
| Record Updated | Apr 30, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 RIVER ST, OTEGO, NY 13825 |
The 2026 property tax bill for 12 River St was $4,898 with exemptions applied, up 32.8% from the year before.
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 |
| Municipality | Otego Village |
| Unified School District | Otego-Unadilla Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,898.00 (+32.81%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $3,688.00 | $168,000 Land $22,300 Building $145,700 | $221,053 Land $29,342 Building $191,711 |
| 2023 | $168,000 Land $22,300 Building $145,700 | $180,645 Land $23,978 Building $156,667 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 River St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2006.
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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 2 (2006–2011) |
| Claims Outside the SFHA | 2 of 2 |
| 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 risk around 12 River 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 | 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 | OTEGO VILLAGE serves 1,010 people · EPA ID NY3800155 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2021 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 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 179 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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