Otsego County and Otego Town property record for 158 Circle Dr, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,648 sqft · built 2001 |
| Lot Size | 1.74 acres (75,794 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $245,000 (Oct 2019) |
| Tax Bill | $6,619 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 364889 324.18-1-55.00 |
| Primary APN | 364889 324.18-1-55.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,648 sqft Living Area |
| 1st Floor Area | 1,648 sqft |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 75,794 sqft (1.74 acres) |
| Garage Type | Attached |
| Garage Area | 756 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 120 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 310777 |
|---|---|
| Street Address | 158 CIRCLE DR |
| City | OTEGO |
| State | NY |
| Zip | 13825-2195 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 999 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 55.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 2 |
| Census Block | 2026 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 158 CIRCLE DR, OTEGO, NY 13825-2195 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2019 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BK NA |
| Oct 3, 2019 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 2019 · Amount on Record |
| Deed Sale | Oct 3, 2019 · Amount on Record |
| Prior Sale | Aug 1, 2001 · Amount on Record |
| Deed Document Number | 20194522 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 158 CIRCLE DR, OTEGO, NY 13825-2195 |
| Document Number | 0000004523 |
| Instrument Date | Oct 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 81 W MAIN ST MILFORD NY 13807, MILFORD, NY 13807 |
| Document Number | 0000004523 |
|---|---|
| Date | Oct 3, 2019 |
| Instrument | 4523 |
| Name | COMMUNITY BK NA |
|---|---|
| Address | OLEAN, NY 14760 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 2, 2029 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 3, 2019 |
| Property Address | 158 CIRCLE DR, OTEGO, NY 13825-2195 |
| Document Number | 0000004522 |
| Instrument Date | Sep 10, 2019 |
| Instrument | 4522 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 81 W MAIN ST MILFORD NY 13807, MILFORD, NY 13807 |
| Document Number | 4523 |
|---|---|
| Date | Oct 3, 2019 |
| Instrument | 4523 |
| Name | COMMUNITY BK NA |
|---|---|
| Address | OLEAN, NY 14760 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 2, 2029 |
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 | $6,619.00 | $245,000 (-) Land $39,400 Building $205,600 | $322,368 (+22.37%) Land $51,842 Building $270,526 |
| 2023 | $245,000 Land $39,400 Building $205,600 | $263,441 Land $42,366 Building $221,075 |
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 | 2 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 | 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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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