Otsego County and Worcester Town property record for 20 Elm St, Worcester, NY 12197
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.77 acres (33,541 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $138,000 (Dec 2013) |
| Tax Bill | $4,474 (2026) |
| Deeds & Mortgages | Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 366600 199.18-2-45.00 |
| Primary APN | 366600 199.18-2-45.00 |
|---|---|
| Alternative APNs |
|
| Lot Area | 33,541 sqft (0.77 acres) |
|---|---|
| Lot Width | 80 ft Width |
| Sewer | Septic |
|---|---|
| Water Source | Well |
| Account Number | 480210502 |
|---|---|
| Street Address | 20 ELM ST |
| City | WORCESTER |
| State | NY |
| Zip | 12197-2034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RHD |
| Legal Block | 2 |
| Legal Lot Number | 45.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | WORCESTER |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 590702 |
20 Elm St is owned and occupied by two individuals who bought it in December 2013.
Source: Otsego County and Worcester Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 ELM ST, WORCESTER, NY 12197-2034 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2013 · Amount on File |
| Deed Sale | Dec 11, 2013 · Amount on File |
| Deed Book / Page | 2013 / 6844 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 20 ELM ST, WORCESTER, NY 12197-2034 |
| Document Number | 0000001807 |
| Instrument Date | Apr 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 20 ELM ST WORCESTER NY 121972034, WORCESTER, NY 12197-2034 |
| Document Number | 0000001807 |
|---|---|
| Date | Apr 29, 2019 |
| Instrument | 1807 |
| Name | PLAZA HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | WAKEFIELD, MA 01880 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 28, 2034 |
The 2026 property tax bill for 20 Elm St was $4,474 with a homeowner's exemption, up 1% from the year before.
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 | $4,474.00 (+10.03%) Homeowner's exemption | ||
| 2025 | $4,066.00 | $75,300 Land $17,400 Building $57,900 | $183,212 Land $42,336 Building $140,876 |
| 2023 | $75,300 Land $17,400 Building $57,900 | $163,696 Land $37,826 Building $125,870 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Elm St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 20 Elm St is low, with a 0.01% annual chance of 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.
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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