Otsego County and Otego Town property record for 229 Lower Rd, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,544 sqft · built 1976 |
| Lot Size | 0.75 acres (32,670 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,656 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 364889 273.00-2-45.00 |
| Primary APN | 364889 273.00-2-45.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,544 sqft Living Area |
| 1st Floor Area | 1,544 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 32,670 sqft (0.75 acres) |
| Lot Width | 200 ft Width |
| Garage Type | Basement |
| Porch | Slab |
| Porch Area | 18 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 202098 |
|---|---|
| Street Address | 229 LOWER RD |
| City | OTEGO |
| State | NY |
| Zip | 13825-2291 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 997 0 0 |
| Legal Block | 2 |
| Legal Lot Number | 45.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 591401 |
Source: Otsego County and Otego Town records, as of April 30, 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 | 229 LOWER RD, OTEGO, NY 13825-2291 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
Source: Otsego County and Otego Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Otego Town |
| Unified School District | Otego-Unadilla Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,656.00 | $140,000 (-) Land $16,300 Building $123,700 | $184,211 (+22.37%) Land $21,447 Building $162,764 |
| 2023 | $140,000 Land $16,300 Building $123,700 | $150,538 Land $17,527 Building $133,011 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 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.
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: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| OEConnect Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
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