Otsego County and Otego Town property record for 128 Memory Ln, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,204 sqft · built 2007 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Oct 2013) |
| Tax Bill | $6,531 (2025) |
| Deeds & Mortgages | May 2022 Refinance Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 364889 308.00-1-13.04 |
| Primary APN | 364889 308.00-1-13.04 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,204 sqft Living Area |
| 1st Floor Area | 1,484 sqft |
| Upper Floors Area | 720 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 30,056 sqft (0.69 acres) |
| Lot Dimensions | 200 ft deep x 150 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 448 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 233990 |
|---|---|
| Street Address | 128 MEMORY LN |
| City | OTEGO |
| State | NY |
| Zip | 13825-3267 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 990FM 2518 0 4 |
| Legal Block | 1 |
| Legal Lot Number | 13.004 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 1 |
| Census Block | 1007 |
| 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 | PO BOX 73, OTEGO, NY 13825-0073 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance SIDNEY FEDERAL CREDIT UNION |
| Jan 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SIDNEY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 29, 2013 · Amount on Record |
| Deed Sale | Oct 29, 2013 · Amount on Record |
| Prior Sale | Dec 29, 2009 · Amount on Record |
| Deed Book / Page | 2013 / 6013 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 128 MEMORY LN, OTEGO, NY 13825-3267 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000946 |
|---|---|
| Date | May 27, 2022 |
| Instrument | 2022-2946 |
| Name | SIDNEY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 128 MEMORY LN, OTEGO, NY 13825-3267 |
| Document Number | 0000000623 |
| Instrument Date | Jan 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 128 MEMORY LN OTEGO NY 138253267, OTEGO, NY 13825-3267 |
| Document Number | 0000000623 |
|---|---|
| Date | Feb 7, 2019 |
| Instrument | 623 |
| Name | SIDNEY FCU |
|---|---|
| Type | Credit Union |
| Address | SIDNEY, NY 13838 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $6,531.00 | $284,200 (-) Land $31,900 Building $252,300 | $373,947 (+22.37%) Land $41,974 Building $331,973 |
| 2023 | $284,200 Land $31,900 Building $252,300 | $305,591 Land $34,301 Building $271,290 |
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 | 6 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 | 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.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: OEConnect.
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