221 Main St, Worcester, NY 12197 Property Records

Otsego County and Worcester Town property record for 221 Main St, Worcester, NY 12197

Property Summary

Property Type	Single Family Home
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,750 (Dec 2024)
Tax Bill	$4,839 (2026)
Deeds & Mortgages	Sep 2023 Refinance Jun 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`366600 199.18-2-58.00`

Property Details

APN / Parcel Number

Primary APN	`366600 199.18-2-58.00`
Alternative APNs	`660019901800020580000000` `480241002`

Exterior

Lot Area	52,272 sqft (1.2 acres)

Location & Zoning

Account Number	480241002
Street Address	221 MAIN ST
City	WORCESTER
State	NY
Zip	12197-1904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RHD
Legal Block	2
Legal Lot Number	58.000
Jurisdiction	OTSEGO NY
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3003
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	2 Individual Names on Record
Mailing Address	221 MAIN ST, WORCESTER, NY 12197-1904
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF RICHMONDVILLE
Jun 7, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2024 · Amount on Record
Deed Sale	Dec 20, 2024 · Amount on Record
Prior Sale	Jun 7, 2023 · Amount on Record
Deed Document Number	20242024-5111
Prior Transfer Date	Dec 13, 2024
Prior Transfer Doc	0000000111
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	221 MAIN ST, WORCESTER, NY 12197-1904
Transaction Type	Mortgage
Record Updated	Oct 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000707
Date	Sep 13, 2023
Instrument	2023-3707

Lender

Name	BANK OF RICHMONDVILLE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2038

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	OTSEGO NY
Recording Date	Jun 7, 2023
Property Address	221 MAIN ST, WORCESTER, NY 12197-1904
Document Number	0000000242
Instrument Date	May 22, 2023
Instrument	2023-2242
Transaction Type	Transfer
Record Updated	Jun 27, 2023

Transaction

Amount	Amount Recorded
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
Address	5 WATER ST, WORCESTER, NY 12197-3500

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	$4,839.00 (-41.69%)
2025	$8,299.00	$81,500 (-) Land $20,400 Building $61,100	$198,297 (+11.92%) Land $49,635 Building $148,662
2023	Homeowner's exemption Senior Citizen's exemption	$81,500 (-) Land $20,400 Building $61,100	$177,174 (+10.87%) Land $44,348 Building $132,826
2022		$81,500 Land $20,400 Building $61,100	$159,804 Land $40,000 Building $119,804

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	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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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