Otsego County and Otego Town property record for 280 Main St, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,547 sqft · built 1900 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,655 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 364801 317.19-1-58.00 |
| Primary APN | 364801 317.19-1-58.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,547 sqft Living Area |
| 1st Floor Area | 811 sqft |
| 2nd Floor Area | 736 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Width | 66 ft Width |
| Garage Type | Attached |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 160 sqft |
| Patio Area | 260 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 045650 |
|---|---|
| Street Address | 280 MAIN ST |
| City | OTEGO |
| State | NY |
| Zip | 13825-3242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 965 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 58.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 591401 |
280 Main St is owned and occupied by two individuals.
Source: Otsego County and Otego Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 280 MAIN ST, OTEGO, NY 13825-3242 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 280 Main St was $3,655 with a homeowner's exemption, up 17% from the year before.
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 |
| Municipality | Otego Village |
| Unified School District | Otego-Unadilla Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,655.00 (+16.96%) Homeowner's exemption | ||
| 2025 | $3,125.00 | $125,000 Land $22,600 Building $102,400 | $164,474 Land $29,737 Building $134,737 |
| 2023 | $125,000 Land $22,600 Building $102,400 | $134,409 Land $24,301 Building $110,108 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 280 Main St in Zone X, an area of minimal flood risk, within 500 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 2 (2006–2011) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
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 280 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: FCC Broadband Data Collection, based on 179 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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