121 E Main St, Milford, NY 13807 Property Records

Otsego County and Milford Town property record for 121 E Main St, Milford, NY 13807

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,784 sqft · built 1880
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Last Sale	$224,900 (Feb 2024)
Tax Bill	$5,039 (2026)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Dec 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`364001 194.20-1-11.00`

Property Details

APN / Parcel Number

Primary APN	`364001 194.20-1-11.00`
Alternative APNs	`400119402000010110000000` `004000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,784 sqft Living Area
1st Floor Area	1,392 sqft
2nd Floor Area	1,392 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1975
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	202 ft deep x 106 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	500 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	004000
Street Address	121 E MAIN ST
City	MILFORD
State	NY
Zip	13807-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	11.000
Jurisdiction	OTSEGO NY
Township / Civil Division	MILFORD
Census Block Group	2
Census Block	2015
Census Tract	590500

Owner

121 E Main St is owned and occupied by two individuals who bought it in February 2024.

Source: Otsego County and Milford Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	121 E MAIN ST, MILFORD, NY 13807-1105
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage SIDNEY FEDERAL CREDIT UNION
Dec 30, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 29, 2024 · Amount on File
Deed Sale	Feb 29, 2024 · Amount on File
Prior Sale	Jun 26, 2009 · Amount on File
Deed Document Number	20242024-821
Prior Transfer Date	Nov 29, 2014
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Feb 29, 2024
Property Address	121 E MAIN ST, MILFORD, NY 13807-1105
Document Number	0000000021
Instrument Date	Feb 26, 2024
Instrument	2024-821
Transaction Type	Transfer
Record Updated	Mar 19, 2024

Transaction

Amount	Amount on Record
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	90 LAUREL HILL TER APT 2G, 2G, NEW YORK, NY 10033-1620

Mortgage

Document Number	0000000022
Date	Feb 29, 2024
Instrument	2024-822

Lender

Name	SIDNEY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	0000000086
Date	Mar 20, 2024
Instrument	2024-1086

Lender

Name	SIDNEY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO NY
Recording Date	Dec 30, 2020
Property Address	121 MAIN ST, MORRIS, NY 13808-6920
Document Number	0000006003
Instrument Date	Dec 21, 2020
Instrument	6003
Transaction Type	Transfer
Record Updated	Jan 18, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	855 COUNTY HIGHWAY 54 CHERRY VALLEY NY 133202000, CHERRY VALLEY, NY 13320-2000

Tax Assessment & Valuation

The 2026 property tax bill for 121 E Main St was $5,039, up 4.5% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Milford Town
Municipality	Milford Village
Unified School District	Milford Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,039.00 (+4.54%)
2025	$4,820.00	$174,000 Land $17,100 Building $156,900	$248,571 Land $24,429 Building $224,142
2023		$174,000 Land $17,100 Building $156,900	$210,909 Land $20,727 Building $190,182

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 121 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	Severe Storms And Flooding, Jun 2006 · 2 claims

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

Wildfire risk around 121 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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