26 Mill St, Worcester, NY 12197 Property Records

Otsego County and Worcester Town property record for 26 Mill St, Worcester, NY 12197

Property Summary

Property Type	Single Family Home
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$172,780 (Jan 2024)
Tax Bill	$3,155 (2026)
Deeds & Mortgages	Jan 2024 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`366600 199.18-3-60.00`

Property Details

APN / Parcel Number

Primary APN	`366600 199.18-3-60.00`
Alternative APNs	`660019901800030600000000` `480704002`

Exterior

Lot Area	14,810 sqft (0.34 acres)

Location & Zoning

Account Number	480704002
Street Address	26 MILL ST
City	WORCESTER
State	NY
Zip	12197-1911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RHD
Legal Block	3
Legal Lot Number	60.000
Jurisdiction	OTSEGO NY
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3002
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	26 MILL ST, WORCESTER, NY 12197-1911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2024	Warranty Deed, Transfer · VA Mortgage HOMESTEAD FUNDING CORP
May 13, 2019	Warranty Deed, Transfer · Conventional with PMI VISIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2024 · Amount on Record
Deed Sale	Jan 12, 2024 · Amount on Record
Prior Sale	May 13, 2019 · Amount on Record
Deed Document Number	2024191
Prior Transfer Date	May 16, 2008
Prior Transfer Doc	1115000488
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Jan 12, 2024
Property Address	26 MILL ST, WORCESTER, NY 12197-1911
Document Number	0000000091
Instrument Date	Jan 12, 2024
Instrument	2024-191
Transaction Type	Transfer
Record Updated	Feb 6, 2024

Transaction

Amount	Amount Recorded
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	6558 STATE HIGHWAY 7 APT 4, 4, MARYLAND, NY 12116-2010

Mortgage

Document Number	0000000092
Date	Jan 12, 2024
Instrument	2024-192

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	May 13, 2019
Property Address	26 MILL ST, WORCESTER, NY 12197-1911
Document Number	0000002051
Instrument Date	May 7, 2019
Instrument	2051
Transaction Type	Transfer
Record Updated	Jun 4, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$292.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	423 LAKE RD SCHENEVUS NY 121553820, SCHENEVUS, NY 12155-3820

Mortgage

Document Number	2052
Date	May 13, 2019
Instrument	2052

Lender

Name	VISIONS FCU
Type	Credit Union
Address	ENDICOTT, NY 13760

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 12, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.99%

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	$3,155.00 (-5.28%)
2025	$3,331.00	$52,900 (-) Land $8,700 Building $44,200	$128,710 (+11.92%) Land $21,168 Building $107,542
2023		$52,900 (-) Land $8,700 Building $44,200	$115,000 (+10.87%) Land $18,913 Building $96,087
2022		$52,900 Land $8,700 Building $44,200	$103,725 Land $17,059 Building $86,666

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

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

May also be available: T-Mobile.

Cell Coverage

4G LTE only, no 5G reported

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