198 Secor Rd, Otego, NY 13825 Property Records

Otsego County and Otego Town property record for 198 Secor Rd, Otego, NY 13825

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,474 sqft · built 1955
Lot Size	5.97 acres (260,053 sqft)
Owner	Individual Name on Record
Last Sale	$1,000 (Jul 2019)
Tax Bill	$5,014 (2025)
Deeds & Mortgages	Dec 2023 Refinance Dec 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`364889 317.00-1-58.00`

Property Details

APN / Parcel Number

Primary APN	`364889 317.00-1-58.00`
Alternative APNs	`488931700000010580000000` `055720`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,474 sqft Living Area
1st Floor Area	1,474 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	260,053 sqft (5.97 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	240 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	055720
Street Address	198 SECOR RD
City	OTEGO
State	NY
Zip	13825-2209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	988FM 1880 0 0
Legal Block	1
Legal Lot Number	58.000
Jurisdiction	OTSEGO NY
Township / Civil Division	OTEGO
Census Block Group	1
Census Block	1007
Census Tract	591401

Owner

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	Individual Name on Record
Mailing Address	198 SECOR RD, OTEGO, NY 13825-2209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance DISCOVER BANK
Dec 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NBT BANK NATIONAL ASSOCIATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2019 · Amount on Record
Deed Sale	Jul 5, 2019 · Amount on Record
Prior Sale	Jun 24, 2013 · Amount on Record
Deed Document Number	20192924
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	198 SECOR RD, OTEGO, NY 13825-2209
Transaction Type	Mortgage
Record Updated	Jan 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000362
Date	Dec 28, 2023
Instrument	2023-5362

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Jan 1, 2038

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	198 SECOR RD, OTEGO, NY 13825-2209
Transaction Type	Mortgage
Record Updated	Dec 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000754
Date	Dec 3, 2021
Instrument	2021-6754

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Otego Town
Unified School District	Otego-Unadilla Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,014.00	$185,300 (-) Land $37,000 Building $148,300	$243,816 (+22.37%) Land $48,684 Building $195,132
2023		$185,300 Land $37,000 Building $148,300	$199,247 Land $39,785 Building $159,462

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	6 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

4G LTE only, no 5G reported

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