Otsego County and Milford Town property record for 149 E Main St, Milford, NY 13807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,440 sqft · built 1900 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,419 (2026) |
| Deeds & Mortgages | Aug 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 364001 195.17-1-6.00 |
| Primary APN | 364001 195.17-1-6.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 840 sqft |
| 2nd Floor Area | 600 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Width | 79 ft Width |
| Garage Type | Basement |
| Porch | Slab |
| Porch Area | 381 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 053870 |
|---|---|
| Street Address | 149 E MAIN ST |
| City | MILFORD |
| State | NY |
| Zip | 13807-1105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 994 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 6.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | MILFORD |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 590500 |
149 E Main St is owned and occupied by an individual.
Source: Otsego County and Milford Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 149 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 149 E MAIN ST, MILFORD, NY 13807-1105 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2023 |
| Title Company | MISC COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000000137 |
|---|---|
| Date | Aug 8, 2023 |
| Instrument | 2023-3137 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 149 E Main St was $1,419 with a homeowner's exemption, up 46.4% from the year before.
Source: Otsego County and Milford Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Milford Town |
| Municipality | Milford Village |
| Unified School District | Milford Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,419.00 (+46.44%) Homeowner's exemption | ||
| 2025 | $969.00 | $48,000 Land $9,900 Building $38,100 | $68,571 Land $14,143 Building $54,428 |
| 2023 | $48,000 Land $9,900 Building $38,100 | $58,182 Land $12,000 Building $46,182 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 149 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 |
|
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 risk around 149 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 34 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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