Otsego County and Otsego Town property record for 2 Chestnut St, Cooperstown, NY 13326
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 8 bd · 5 ba · 4,065 sqft · built 1870 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,150,000 (Dec 2021) |
| Tax Bill | $13,165 (2026) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Dec 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 365001 115.18-2-69.00 |
| Primary APN | 365001 115.18-2-69.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,065 sqft Total Area |
| 1st Floor Area | 1,694 sqft |
| Attic | Attic |
| Attic Area | 677 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Width | 97 ft Width |
| Garage Type | Detached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 412 sqft |
| Patio Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 087400 |
|---|---|
| Street Address | 2 CHESTNUT ST |
| City | COOPERSTOWN |
| State | NY |
| Zip | 13326-1006 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | R2 |
| Legal Description | 002 0 0 |
| Legal Block | 2 |
| Legal Lot Number | 69.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTSEGO |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 590202 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Cooperstown Historic District listed 1980 · 514 contributing resources · NRIS 80002742 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Otsego County and Otsego 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 | 2 CHESTNUT ST, COOPERSTOWN, NY 13326-1006 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage PLAZA HOME MORTGAGE INC |
| Dec 6, 2019 | Deed of Trust, Mortgage · Line of Credit TD BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2021 · Amount on Record |
| Deed Sale | Dec 14, 2021 · Amount on Record |
| Prior Sale | Dec 11, 2012 · Amount on Record |
| Deed Document Number | 20216962 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Dec 14, 2021 |
| Property Address | 2 CHESTNUT ST, COOPERSTOWN, NY 13326-1006 |
| Document Number | 0000000962 |
| Instrument Date | Dec 13, 2021 |
| Instrument | 2021-6962 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 92 SUSQUEHANNA AVE, COOPERSTOWN, NY 13326-4959 |
| Document Number | 0000000963 |
|---|---|
| Date | Dec 14, 2021 |
| Instrument | 2021-6963 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 2 CHESTNUT ST, COOPERSTOWN, NY 13326-1006 |
| Document Number | 0000000055 |
| Instrument Date | Dec 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2 CHESTNUT ST COOPERSTOWN NY 133261006, COOPERSTOWN, NY 13326-1006 |
| Document Number | 0000000055 |
|---|---|
| Date | Jan 3, 2020 |
| Instrument | 55 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 2, 2050 |
| Rate Type | Adjustable Rate |
|---|
Source: Otsego County and Otsego Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Otsego Town |
| Municipality | Cooperstown Village |
| Unified School District | Cooperstown Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $13,165.00 (+3.25%) | ||
| 2025 | $12,751.00 | $573,400 (-) Land $102,000 Building $471,400 | $819,143 (+17.14%) Land $145,714 Building $673,429 |
| 2023 | $573,400 Land $102,000 Building $471,400 | $699,268 Land $124,390 Building $574,878 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (2011–2017) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | May 2017 · rainfall accumulation |
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 | COOPERSTOWN VILLAGE serves 1,926 people · EPA ID NY3800145 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2023 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Copper | 1.4 mg/L (2022–2024) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 193 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 |
| Verizon Fixed Wireless | 300 / 20 |
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