Otsego County and Worcester Town property record for 1231 Smith Rd, Worcester, NY 12197
| Property Type | Rural Home |
|---|---|
| Lot Size | 41.8 acres (1,823,857 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $169,900 (Aug 2018) |
| Tax Bill | $5,321 (2026) |
| Deeds & Mortgages | Oct 2020 Mortgage Aug 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 366600 201.00-1-4.00 |
| Primary APN | 366600 201.00-1-4.00 |
|---|---|
| Alternative APNs |
|
| Lot Area | 1,823,857 sqft (41.8 acres) |
|---|
| Account Number | 482352792 |
|---|---|
| Street Address | 1231 SMITH RD |
| City | WORCESTER |
| State | NY |
| Zip | 12197-2310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R80 |
| Legal Block | 1 |
| Legal Lot Number | 4.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | WORCESTER |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 590702 |
Source: Otsego County and Worcester 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 | 1231 SMITH RD, WORCESTER, NY 12197-2310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2020 | Deed of Trust, Mortgage · Conventional with PMI PREMIUM MTG |
| Aug 27, 2018 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2018 · Amount on Record |
| Deed Sale | Aug 27, 2018 · Amount on Record |
| Prior Sale | Apr 25, 2012 · Amount on Record |
| Deed Document Number | 20183960 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 1231 SMITH RD, WORCESTER, NY 12197-2310 |
| Document Number | 0000004357 |
| Instrument Date | Oct 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1231 SMITH RD WORCESTER NY 121972310, WORCESTER, NY 12197-2310 |
| Document Number | 0000004357 |
|---|---|
| Date | Oct 8, 2020 |
| Instrument | 4357 |
| Name | PREMIUM MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROCHESTER, NY 14618 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 7, 2040 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 27, 2018 |
| Property Address | 1231 SMITH RD, WORCESTER, NY 12197-2310 |
| Document Number | 0000003960 |
| Instrument Date | Aug 22, 2018 |
| Instrument | 3960 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1231 SMITH RD WORCESTER NY 121972310, WORCESTER, NY 12197-2310 |
Source: Otsego County and Worcester Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Worcester Town |
| Unified School District | Worcester Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,321.00 (+0.49%) | ||
| 2025 | $5,295.00 | $92,400 (-) Land $23,900 Building $68,500 | $224,818 (+11.92%) Land $58,151 Building $166,667 |
| 2023 | $92,400 Land $23,900 Building $68,500 | $200,870 Land $51,957 Building $148,913 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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