Otsego County and Worcester Town property record for 181 Main St, Worcester, NY 12197
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $129,900 (Nov 2018) |
| Tax Bill | $5,234 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Nov 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 366600 199.18-1-39.00 |
| Primary APN | 366600 199.18-1-39.00 |
|---|---|
| Alternative APNs |
|
| Lot Area | 27,443 sqft (0.63 acres) |
|---|---|
| Lot Dimensions | 316 ft deep x 66 ft wide |
| Account Number | 480644012 |
|---|---|
| Street Address | 181 MAIN ST |
| City | WORCESTER |
| State | NY |
| Zip | 12197-1942 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RHD |
| Legal Block | 1 |
| Legal Lot Number | 39.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | WORCESTER |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 590702 |
Source: Otsego County and Worcester 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 | 181 MAIN ST, WORCESTER, NY 12197-1942 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 6, 2026 | Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK |
| Nov 1, 2018 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 2018 · Amount on Record |
| Deed Sale | Nov 1, 2018 · Amount on Record |
| Deed Document Number | 20182018-5277 |
| Last Transfer Date | Jul 29, 2026 |
| Transfer Doc | 0000003543 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 6, 2026 |
| Property Address | 181 MAIN ST, WORCESTER, NY 12197-1942 |
| Document Number | 0000003543 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 20263543 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 181 MAIN ST, WORCESTER, NY 12197-1942 |
| Date | Aug 6, 2026 |
|---|
| Name | COMMUNITY BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Nov 1, 2018 |
| Property Address | 181 MAIN ST, WORCESTER, NY 12197-1942 |
| Document Number | 0000005277 |
| Instrument Date | Oct 31, 2018 |
| Instrument | 5277 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 181 MAIN ST WORCESTER NY 12197, WORCESTER, NY 12197 |
Source: Otsego County and Worcester Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Worcester Town |
| Unified School District | Worcester Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,234.00 (+0.33%) | ||
| 2025 | $5,217.00 | $88,200 (-) Land $16,400 Building $71,800 | $214,599 (+11.92%) Land $39,903 Building $174,696 |
| 2023 | $88,200 Land $16,400 Building $71,800 | $191,739 Land $35,652 Building $156,087 |
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 | 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.
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: 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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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