138 Main St, Worcester, NY 12197 Property Records

Otsego County and Worcester Town property record for 138 Main St, Worcester, NY 12197

Property Summary

Property Type	Duplex
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Jun 2022)
Tax Bill	$2,150 (2025)
Deeds & Mortgages	May 2026 Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`366600 215.06-1-15.00`

Property Details

APN / Parcel Number

Primary APN	`366600 215.06-1-15.00`
Alternative APNs	`660021500600010150000000` `002900`

Exterior

Architectural Style	Duplex Single
Lot Area	13,068 sqft (0.3 acres)
Lot Width	74 ft Width

Location & Zoning

Account Number	002900
Street Address	138 MAIN ST
City	WORCESTER
State	NY
Zip	12197-1900
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R80
Legal Block	1
Legal Lot Number	15.000
Jurisdiction	OTSEGO NY
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3014
Census Tract	590702

Owner

Source: Otsego County and Worcester 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 541, CAIRO, NY 12413-0541
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Jun 8, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2022 · Amount on Record
Deed Sale	Jun 8, 2022 · Amount on Record
Deed Document Number	20223167
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Recording Date	May 29, 2026
Property Address	138 MAIN ST, WORCESTER, NY 12197-1900
Document Number	0000002493
Instrument Date	May 23, 2026
Instrument	20262493
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 MAIN ST, WORCESTER, NY 12197-1900

Mortgage

Document Number	0000002493,
Date	May 29, 2026
Instrument	20262493

Lender

Name	LOANDEPOT.COM LLC

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate	6.23%
Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Jun 8, 2022
Property Address	138 MAIN ST, WORCESTER, NY 12197-1900
Document Number	0000000167
Instrument Date	Jun 3, 2022
Instrument	2022-3167
Transaction Type	Transfer
Record Updated	Jul 6, 2022

Transaction

Amount	Amount Recorded
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
Address	PO BOX 541, CAIRO, NY 12413-0541

Mortgage

Document Number	0000000168
Date	Jun 8, 2022
Instrument	2022-3168

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,150.00	$35,400 (-) Land $10,000 Building $25,400	$86,131 (+11.92%) Land $24,331 Building $61,800
2023		$35,400 Land $10,000 Building $25,400	$76,957 Land $21,739 Building $55,218

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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.

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	WORCESTER WD #2 - WORCESTER serves 656 people · EPA ID NY3800160
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter resolved · Jan 2015
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 160 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

Cell Coverage

5G (outdoors only) and 4G LTE

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