Otsego County and Worcester Town property record for 264 Main St, Worcester, NY 12197
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,773 (2026) |
| Deeds & Mortgages | Nov 2022 Mortgage Aug 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 366600 199.19-1-47.00 |
| Primary APN | 366600 199.19-1-47.00 |
|---|---|
| Alternative APNs |
|
| Lot Area | 11,761 sqft (0.27 acres) |
|---|---|
| Lot Dimensions | 196 ft deep x 66 ft wide |
| Account Number | 480368002 |
|---|---|
| Street Address | 264 MAIN ST |
| City | WORCESTER |
| State | NY |
| Zip | 12197-1906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RHD |
| Legal Block | 1 |
| Legal Lot Number | 47.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | WORCESTER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 590702 |
264 Main St is owned and occupied by two individuals.
Source: Otsego County and Worcester Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 264 MAIN ST, WORCESTER, NY 12197-1906 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 2, 2022 | Deed of Trust, Mortgage · ARM BROADVIEW FEDERAL CREDIT UNION |
| Aug 11, 2022 | Deed of Trust, Mortgage · ARM BROADVIEW FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 264 MAIN ST, WORCESTER, NY 12197-1906 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000054 |
|---|---|
| Date | Nov 2, 2022 |
| Instrument | 2022-6054 |
| Name | BROADVIEW FEDERAL CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.3% |
| Type Change Date | Sep 1, 2032 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 264 MAIN ST, WORCESTER, NY 12197-1906 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000394 |
|---|---|
| Date | Aug 11, 2022 |
| Instrument | 2022-4394 |
| Name | BROADVIEW FEDERAL CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.3% |
| Type Change Date | Sep 1, 2032 |
| Index | 1-Year CMT |
| Margin | 3 |
The 2026 property tax bill for 264 Main St was $2,773 with exemptions applied, up 70.2% 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 | $2,773.00 (+70.23%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $1,629.00 | $46,420 Land $9,800 Building $36,620 | $112,944 Land $23,844 Building $89,100 |
| 2023 | $44,500 Land $9,800 Building $34,700 | $96,739 Land $21,304 Building $75,435 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 264 Main St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 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 risk around 264 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
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