Otsego County and Otego Town property record for 166 Circle Dr, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,148 sqft · built 1975 |
| Lot Size | 4.69 acres (204,296 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $294,000 (Dec 2020) |
| Tax Bill | $6,860 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 364889 324.18-1-56.00 |
| Primary APN | 364889 324.18-1-56.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,148 sqft Living Area |
| 1st Floor Area | 2,148 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 204,296 sqft (4.69 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 352 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 059215 |
|---|---|
| Street Address | 166 CIRCLE DR |
| City | OTEGO |
| State | NY |
| Zip | 13825-2195 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 996 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 56.000 |
| 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 | 816 WILLIAMS RD, SCHENEVUS, NY 12155-3015 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 9, 2020 | Deed of Trust, Mortgage WAYNE BK |
| Dec 1, 2020 | Warranty Deed, Transfer · Conventional with PMI WAYNE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2020 · Amount on Record |
| Deed Sale | Dec 1, 2020 · Amount on Record |
| Prior Sale | Feb 23, 1996 · Amount on Record |
| Deed Document Number | 20205373 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 166 CIRCLE DR, OTEGO, NY 13825-2195 |
| Document Number | 0000005374 |
| Instrument Date | Nov 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2020 |
| Title Company | LEGACY TITLE SERVICES, LEGACY TITLE SVCS |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 166 CIRCLE DR OTEGO NY 138252195, OTEGO, NY 13825-2195 |
| Document Number | 0000005374 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 5374 |
| Name | WAYNE BK |
|---|---|
| Type | Bank |
| Address | HONESDALE, PA 18431 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Nov 30, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Dec 1, 2020 |
| Property Address | 166 CIRCLE DR, OTEGO, NY 13825-2195 |
| Document Number | 0000005373 |
| Instrument Date | Nov 5, 2020 |
| Instrument | 5373 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2020 |
| Title Company | LEGACY TITLE SERVICES, LEGACY TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,176.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 816 WILLIAMS RD SCHENEVUS NY 121553015, SCHENEVUS, NY 12155-3015 |
| Document Number | 5374 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 5374 |
| Name | WAYNE BK |
|---|---|
| Type | Bank |
| Address | HONESDALE, PA 18431 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 30, 2040 |
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 | $6,860.00 | $254,000 (-) Land $44,900 Building $209,100 | $334,211 (+22.37%) Land $59,079 Building $275,132 |
| 2023 | $254,000 Land $44,900 Building $209,100 | $273,118 Land $48,280 Building $224,838 |
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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