Otsego County and Worcester Town property record for 256 Main St, Worcester, NY 12197
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,500 sqft · built 1910 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $89,000 (Jul 2024) |
| Tax Bill | $3,025 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 366600 199.18-3-40.00 |
| Primary APN | 366600 199.18-3-40.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,500 sqft Living Area |
| 1st Floor Area | 750 sqft |
| 2nd Floor Area | 750 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Width | 69 ft Width |
| Porch | Slab |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 003600 |
|---|---|
| Street Address | 256 MAIN ST |
| City | WORCESTER |
| State | NY |
| Zip | 12197-1906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RHD |
| Legal Block | 3 |
| Legal Lot Number | 40.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | WORCESTER |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 590702 |
256 Main St is owned by two individuals who bought it in July 2024.
Source: Otsego County and Worcester Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 628 COUNTY HIGHWAY 38, WORCESTER, NY 12197-4407 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2024 · Amount on File |
| Deed Sale | Jul 17, 2024 · Amount on File |
| Prior Sale | Apr 11, 2011 · Amount on File |
| Deed Document Number | 20242024-2697 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 256 MAIN ST, WORCESTER, NY 12197-1906 |
| Document Number | 0000000181 |
| Instrument Date | Nov 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2021 |
| Title Company | SERVICELINK TITLE COMPANY LLC, SERVICELINK TITLE CO LLC |
| Name | Verified Name |
|---|---|
| Address | 337 W 21ST ST DEER PARK NY 117296348, DEER PARK, NY 11729-6348 |
| Document Number | 0000000181 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 181 |
| Name | DISCOVER BK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 10, 2051 |
The 2026 property tax bill for 256 Main St was $3,025, down 2.7% from the year before.
Source: Otsego County and Worcester Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Worcester Town |
| Unified School District | Worcester Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,025.00 (-2.67%) | ||
| 2025 | $3,108.00 | $50,700 Land $7,000 Building $43,700 | $123,358 Land $17,032 Building $106,326 |
| 2023 | $51,300 Land $7,600 Building $43,700 | $111,522 Land $16,522 Building $95,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 256 Main St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 20, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 risk around 256 Main St is low, with a 0.01% annual chance of 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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures