Otsego County and Otego Town property record for 13 Nancy Dr, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,360 sqft · built 2019 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,269 (2026) |
| Deeds & Mortgages | Jan 2026 Transfer Nov 2019 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 364801 325.10-2-10.00 |
| Primary APN | 364801 325.10-2-10.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,360 sqft Living Area |
| 1st Floor Area | 1,180 sqft |
| 2nd Floor Area | 1,180 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 16,988 sqft (0.39 acres) |
| Lot Width | 120 ft Width |
| Garage Type | Attached |
| Garage Area | 378 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 264 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 221207 |
|---|---|
| Street Address | 13 NANCY DR |
| City | OTEGO |
| State | NY |
| Zip | 13825-3130 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Block | 2 |
| Legal Lot Number | 10.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 591401 |
Source: Otsego County and Otego 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 | 13 NANCY DR, OTEGO, NY 13825-3130 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 21, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Nov 18, 2019 | Loan Modification, Mortgage USNY BK |
| Aug 29, 2019 | Trustee's Deed, Construction Loan · Construction Mortgage USNY BK |
| Aug 29, 2019 | Warranty Deed, Construction Loan · Construction Mortgage USNY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 19, 2026 |
| Transfer Doc | 0000000081 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jan 21, 2026 |
| Property Address | 13 NANCY DR, OTEGO, NY 13825-3130 |
| Document Number | 0000000081 |
| Instrument Date | Jan 19, 2026 |
| Instrument | 2026-281 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 13 NANCY DR, OTEGO, NY 13825-3130 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 13 NANCY DR, OTEGO, NY 13825-3130 |
| Document Number | 0000000057 |
| Instrument Date | Nov 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | NANCY DR OTEGO NY 13825, OTEGO, NY 13825 |
| Document Number | 0000000057 |
|---|---|
| Date | Jan 6, 2020 |
| Instrument | 57 |
| Name | USNY BK |
|---|---|
| Type | Bank |
| Address | DANVILLE, IL 61834 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 5, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 29, 2019 |
| Property Address | 13 NANCY DR, OTEGO, NY 13825-3130 |
| Instrument Date | Jul 22, 2019 |
| Instrument | 3895 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5 MARION LN OTEGO NY 138252168, OTEGO, NY 13825-2168 |
| Document Number | 0000003895 |
|---|---|
| Date | Aug 29, 2019 |
| Instrument | 3895 |
| Name | USNY BK |
|---|---|
| Type | Bank |
| Address | GENEVA, NY 14456 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 28, 2020 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 29, 2019 |
| Property Address | 13 NANCY DR, OTEGO, NY 13825-3130 |
| Document Number | 0000003894 |
| Instrument Date | Jul 18, 2019 |
| Instrument | 3894 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $144.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5 MARION LN OTEGO NY 138252168, OTEGO, NY 13825-2168 |
| Document Number | 3895 |
|---|---|
| Date | Aug 29, 2019 |
| Instrument | 3895 |
| Name | USNY BK |
|---|---|
| Type | Bank |
| Address | GENEVA, NY 14456 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 28, 2020 |
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 | $7,269.00 (+1.39%) | ||
| 2025 | $7,169.00 (+4.25%) | $250,000 (-) Land $18,700 Building $231,300 | $328,947 (+14.47%) Land $24,605 Building $304,342 |
| 2024 | $6,877.00 | $250,000 (-) Land $18,700 Building $231,300 | $287,356 (+6.9%) Land $21,494 Building $265,862 |
| 2023 | $250,000 Land $18,700 Building $231,300 | $268,817 Land $20,108 Building $248,709 |
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 |
| Flood Insurance Cost | Premium on Record 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.
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: 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 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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