21 Main St, Worcester, NY 12197 Property Records

Otsego County and Worcester Town property record for 21 Main St, Worcester, NY 12197

Property Summary

Property Type	Single Family Home
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$32,000 (Aug 2026)
Tax Bill	$2,607 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`366600 185.13-1-2.00`

Property Details

APN / Parcel Number

Primary APN	`366600 185.13-1-2.00`
Alternative APNs	`660018501300010020000000` `480015002`

Exterior

Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	70 ft deep x 48 ft wide

Location & Zoning

Account Number	480015002
Street Address	21 MAIN ST
City	WORCESTER
State	NY
Zip	12197
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RHD
Legal Description	001 0 0
Legal Block	1
Legal Lot Number	2.000
Jurisdiction	OTSEGO NY
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1004
Census Tract	590702

Owner

Source: Otsego County and Worcester 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	Individual Name on Record
Mailing Address	1052 ROUTE 443, SCHOHARIE, NY 12157
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2026 · Amount on Record
Deed Sale	Aug 18, 2026 · Amount on Record
Deed Document Number	20263707
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Aug 18, 2026
Property Address	21 MAIN ST, WORCESTER, NY 12197
Document Number	0000003707
Instrument Date	Aug 16, 2026
Instrument	20263707
Transaction Type	Transfer
Record Updated	Sep 9, 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

Mortgage

Date	Aug 18, 2026

Lender

Name	MICHAEL KAGAN

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,607.00 (+0.62%)
2025	$2,591.00	$44,100 (-) Land $2,300 Building $41,800	$107,299 (+11.92%) Land $5,596 Building $101,703
2023		$44,100 Land $2,300 Building $41,800	$95,870 Land $5,000 Building $90,870

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 106 locations within half a mile, as of December 31, 2025

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