Otsego County and Unadilla Town property record for 186 Hard Knocks Rd, Unadilla, NY 13849
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,108 sqft · built 2024 |
| Lot Size | 5.96 acres (259,618 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $38,000 (Jan 2023) |
| Tax Bill | $5,660 (2026) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 366289 329.00-3-27.00 |
| Primary APN | 366289 329.00-3-27.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,108 sqft Living Area |
| 1st Floor Area | 2,108 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 259,618 sqft (5.96 acres) |
| Sewer | Septic |
|---|---|
| Water Source | Well |
| Account Number | 199792 |
|---|---|
| Street Address | 186 HARD KNOCKS RD |
| City | UNADILLA |
| State | NY |
| Zip | 13849-2195 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 3 |
| Legal Lot Number | 27.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | UNADILLA |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 591602 |
Source: Otsego County and Unadilla 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 | 12 BRIDGE ST, SIDNEY, NY 13838-1204 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2023 · Amount on Record |
| Deed Sale | Jan 3, 2023 · Amount on Record |
| Prior Sale | Jun 5, 2006 · Amount on Record |
| Deed Document Number | 202316 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jan 3, 2023 |
| Property Address | 186 HARD KNOCKS RD, UNADILLA, NY 13849-2195 |
| Document Number | 0000000016 |
| Instrument Date | Dec 15, 2022 |
| Instrument | 2023-016 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 BRIDGE ST, SIDNEY, NY 13838-1204 |
| Document Number | 0000000018 |
|---|---|
| Date | Jan 3, 2023 |
| Instrument | 2023-018 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Otsego County and Unadilla Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Unadilla Town |
| Unified School District | Otego-Unadilla Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,660.00 (+39.07%) | ||
| 2025 | $4,070.00 | $113,900 (+782.95%) Land $12,900 Building $101,000 | $277,805 (+912.15%) Land $31,463 Building $246,342 |
| 2023 | $12,900 Land $12,900 | $27,447 Land $27,447 |
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.
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 |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 13 (2006–2011) |
| Claims Outside the SFHA | 2 of 13 |
| 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.
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 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| OEConnect Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
4G LTE (outdoors only), no 5G reported
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