20 Main St, Schenevus, NY 12155 Property Records

Otsego County and Maryland Town property record for 20 Main St, Schenevus, NY 12155 · Last verified May 2026

Property Highlights

Property Type	Residential > Multi-Unit > Duplex
Bedrooms	6 Beds
Bathrooms	2 Baths
Architecture Style	Colonial
Year Built	Built 1996
Square Footage	2,494 sqft Total Area
Lot Size	18,295 sqft (0.42 acres)
Occupancy	Owner Occupied
Tax Bill	$3,022.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`363600 230.19-2-9.00`
Alternative APNs	`360023001900020090000000` `010820`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Building Area	2,494 sqft Total Area
1st Floor	1,366 sqft 1st Floor
2nd Floor	1,128 sqft 2nd Floor
Stories	2 Stories

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1996
Architectural Style	Colonial Style
Exterior Material	Wood Exterior
Lot Area	18,295 sqft (0.42 acres)
Lot Width	70 ft Width
Porch Area	320 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Oil Heating Fuel
Sewage	Septic Sewage
Water Source	Commercial Water Source

Location & Zoning

Account Number	010820
Street Address	20 MAIN ST
City	SCHENEVUS
State	NY
Zip	12155-2008
Property Usage	Residential Property Usage
Type	Residential > Multi-Unit > Duplex
Legal Description	004 0 0
Legal Block	2
Legal Lot Number	9.000
Jurisdiction	OTSEGO NY
Minor Civil Division	MARYLAND
Census Blockgroup	2
Census Block	2029
Census Tract	590701

Owner

Source: Otsego County and Maryland Town records · APN 363600 230.19-2-9.00

Assessment roll updated April 30, 2026 · Last verified May 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 File
Mailing Address	20 MAIN ST, SCHENEVUS, NY 12155-2008
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Refreshed	Jun 08, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	20 MAIN ST, SCHENEVUS, NY 12155-2008
Transaction Type	Mortgage
Record Updated	May 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	445
Date	May 04, 2021
Instrument	2021-2445

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 01, 2036

Tax Assessment & Valuation

Source: Otsego County and Maryland Town records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,022.00	$112,200 (-) Land $11,800 Building $100,400	$158,318 (+18.53%) Land $16,650 Building $141,668
2023		$112,200 Land $11,800 Building $100,400	$133,571 Land $14,048 Building $119,523

Flood & Wildfire

20 Main St is in FEMA Zone A, inside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Otsego County (36077C), updated March 20, 2017

FEMA Flood Zone	Zone A 1% annual chance, no base flood elevation determined
Special Flood Hazard Area	Yes flood insurance required for federally backed mortgages
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 55th in New York
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Indirect within ember reach of burnable land · adjoins burnable vegetation

Values are read at the parcel center point; lenders make the official flood determination.