232 Main St, Worcester, NY 12197 Property Records

Otsego County and Worcester Town property record for 232 Main St, Worcester, NY 12197

Property Summary

Property Type	Single Family Home
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on File
Last Sale	$204,900 (Mar 2024)
Tax Bill	$4,359 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Oct 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`366600 199.18-3-32.01`

Property Details

APN / Parcel Number

Primary APN	`366600 199.18-3-32.01`
Alternative APN	`480030002`

Exterior

Lot Area	22,216 sqft (0.51 acres)
Lot Width	130 ft Width

Location & Zoning

Account Number	480030002
Street Address	232 MAIN ST
City	WORCESTER
State	NY
Zip	12197-1905
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	32.001
Jurisdiction	OTSEGO NY
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3002
Census Tract	590702

Owner

Source: Otsego County and Worcester Town assessment roll, 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	Individual Name on File
Mailing Address	PO BOX 3, WORCESTER, NY 12197-0003
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP
Oct 23, 2023	Warranty Deed, Transfer
Aug 3, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 7, 2024 · Amount on Record
Deed Sale	Mar 7, 2024 · Amount on Record
Prior Sale	Oct 23, 2023 · Amount on Record
Deed Document Number	20242024-907
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Mar 7, 2024
Property Address	232 MAIN ST, WORCESTER, NY 12197
Document Number	0000000007
Instrument Date	Feb 1, 2024
Instrument	2024-907
Transaction Type	Transfer
Record Updated	Mar 26, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	15 MILLBROOK RD, COLEBROOK, CT 06021-3917

Mortgage

Document Number	0000000008
Date	Mar 7, 2024
Instrument	2024-908

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Oct 23, 2023
Property Address	232 MAIN ST, WORCESTER, NY 12197
Document Number	0000000347
Instrument Date	Oct 12, 2023
Instrument	2023-4347
Transaction Type	Transfer
Record Updated	Nov 14, 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
Relationship	Tenants by the Entirety
Address	377 CHASEVILLE RD, MARYLAND, NY 12116

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Aug 3, 2023
Property Address	232 MAIN ST, WORCESTER, NY 12197
Document Number	0000000088
Instrument Date	Jul 28, 2023
Instrument	2023-3088
Transaction Type	Transfer
Record Updated	Aug 22, 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	8 CHASE ST, WORCESTER, NY 12197-1913

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
2025	$4,359.00 (+2.47%)	$73,600 (-) Land $17,000 Building $56,600	$179,075 (+6.08%) Land $41,362 Building $137,713
2024	$4,254.00	$73,600 (-) Land $17,000 Building $56,600	$168,807 (+5.5%) Land $38,991 Building $129,816
2023		$73,600 (-) Land $17,000 Building $56,600	$160,000 (+10.87%) Land $36,957 Building $123,043
2022		$73,600 Land $17,000 Building $56,600	$144,314 Land $33,333 Building $110,981

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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