Otsego County and Otego Town property record for 284 Main St, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,126 sqft · built 1900 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,741 (2026) |
| Deeds & Mortgages | May 2024 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 364801 317.19-1-57.00 |
| Primary APN | 364801 317.19-1-57.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,126 sqft Living Area |
| 1st Floor Area | 1,238 sqft |
| 2nd Floor Area | 888 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Width | 66 ft Width |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 406 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 056200 |
|---|---|
| Street Address | 284 MAIN ST |
| City | OTEGO |
| State | NY |
| Zip | 13825-3242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 997FILED MAP# 3809 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 57.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 591401 |
284 Main St is owned and occupied by two individuals who acquired it in April 2013.
Source: Otsego County and Otego Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 284 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 |
|---|---|
| Last Transfer Date | Apr 10, 2013 |
| Transfer Doc | 0020131962 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 284 MAIN ST, OTEGO, NY 13825-3242 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000000826 |
|---|---|
| Date | May 14, 2024 |
| Instrument | 2024-1826 |
| Name | SIDNEY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 284 Main St was $3,741 with a homeowner's exemption, down 48.7% 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 | $3,741.00 (-48.7%) Homeowner's exemption | ||
| 2025 | $7,293.00 | $128,000 Land $22,600 Building $105,400 | $168,421 Land $29,737 Building $138,684 |
| 2023 | $128,000 Land $22,600 Building $105,400 | $137,634 Land $24,301 Building $113,333 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 284 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 284 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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