186 Ymca Rd, Otego, NY 13825 Property Records

Otsego County and Laurens Town property record for 186 Ymca Rd, Otego, NY 13825

Property Summary

Property Type	Seasonal / Vacation Home
Details	5 bd · 2 ba · 2,732 sqft · built 1974
Lot Size	45.7 acres (1,990,692 sqft)
Owner	Company Name on Record
Last Sale	$420,000 (Sep 2023)
Tax Bill	$10,723 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`363489 255.00-2-28.01`

Property Details

APN / Parcel Number

Primary APN	`363489 255.00-2-28.01`
Alternative APNs	`348925500000020280010000` `042000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,732 sqft Living Area
1st Floor Area	1,752 sqft
2nd Floor Area	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	1,990,692 sqft (45.7 acres)
Lot Width	1,266 ft Width
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Pool Area	320 sqft
Porch	Slab
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	042000
Street Address	186 YMCA RD
City	OTEGO
State	NY
Zip	13825-2270
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	07 - MIXED
Legal Block	2
Legal Lot Number	28.001
Jurisdiction	OTSEGO NY
Township / Civil Division	LAURENS
Census Block Group	2
Census Block	2057
Census Tract	591402

Owner

Source: Otsego County and Laurens 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	Company Name on Record
Mailing Address	186 YMCA RD, OTEGO, NY 13825-2270
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
Sep 26, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2023 · Amount on Record
Deed Sale	Sep 26, 2023 · Amount on Record
Prior Sale	Nov 1, 2013 · Amount on Record
Deed Document Number	20233937
Prior Transfer Date	Sep 26, 2013
Prior Transfer Doc	0020136067
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Sep 26, 2023
Property Address	186 YMCA RD, OTEGO, NY 13825-2270
Document Number	0000000937
Instrument Date	Sep 8, 2023
Instrument	2023-3937
Transaction Type	Transfer
Record Updated	Oct 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1695 BALDWIN RD, YORKTOWN HEIGHTS, NY 10598-5621

Mortgage

Document Number	0000000938
Date	Sep 26, 2023
Instrument	2023-3938

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Sep 26, 2023
Property Address	186 YMCA RD, OTEGO, NY 13825-2270
Document Number	0000000937
Instrument Date	Sep 8, 2023
Instrument	2023-3937
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1695 BALDWIN RD, YORKTOWN HEIGHTS, NY 10598-5621

Mortgage

Document Number	0000000938
Date	Sep 26, 2023
Instrument	2023-3938

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Otsego County and Laurens Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Laurens Town
Unified School District	Laurens Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,723.00 (+18.74%)
2025	$9,031.00	$299,100 (+5.28%) Land $76,600 Building $222,500	$449,774 (+11.61%) Land $115,188 Building $334,586
2024		$284,100 (-) Land $76,600 Building $207,500	$402,979 (+6.58%) Land $108,653 Building $294,326
2023	Homeowner's exemption	$284,100 (-) Land $76,600 Building $207,500	$378,094 (+33.08%) Land $101,943 Building $276,151
2022		$284,100 Land $76,600 Building $207,500	$284,100 Land $76,600 Building $207,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	1 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.

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 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

May also be available: Spectrum.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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