285 Main St, Worcester, NY 12197 Property Records

Otsego County and Worcester Town property record for 285 Main St, Worcester, NY 12197

Property Summary

Property Type	Single Family Home
Lot Size	0.19 acres (8,276 sqft)
Owner	Company Name on Record
Last Sale	$10,000 (Nov 2014)
Tax Bill	$3,461 (2026)
Deeds & Mortgages	May 2019 Construction Loan Jul 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`366600 199.19-1-5.00`

Property Details

APN / Parcel Number

Primary APN	`366600 199.19-1-5.00`
Alternative APNs	`660019901900010050000000` `480761012`

Exterior

Lot Area	8,276 sqft (0.19 acres)
Lot Width	91 ft Width

Location & Zoning

Account Number	480761012
Street Address	285 MAIN ST
City	WORCESTER
State	NY
Zip	12197-1904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RHD
Legal Block	1
Legal Lot Number	5.000
Jurisdiction	OTSEGO NY
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1045
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	Company Name on Record
Mailing Address	PO BOX 5206, PALM SPRINGS, CA 92263-5206
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 22, 2019	Trustee's Deed, Construction Loan · Construction Mortgage OTHER INSTITUTIONAL LENDERS
Jul 16, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2014 · Amount on Record
Deed Sale	Nov 18, 2014 · Amount on Record
Prior Sale	Oct 30, 2013 · Amount on Record
Deed Book / Page	2014 / 5394
Record Updated	Oct 29, 2026

May 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	OTSEGO NY
Recording Date	May 22, 2019
Property Address	285 MAIN ST, WORCESTER, NY 12197-1904
Instrument Date	Apr 26, 2019
Instrument	2222
Transaction Type	Construction Loan
Record Updated	Jun 7, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 5206 PALM SPRINGS CA 922635206, PALM SPRINGS, CA 92263-5206

Mortgage

Document Number	0000002222
Date	May 22, 2019
Instrument	2222

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	COEUR D'ALENE, ID 83814

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 21, 2020

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Jul 16, 2018
Property Address	285 MAIN ST, WORCESTER, NY 12197-1904
Document Number	0000003168
Instrument Date	Jun 15, 2018
Instrument	3168
Transaction Type	Transfer
Record Updated	Aug 30, 2018

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5206 PALM SPRINGS CA 922635206, PALM SPRINGS, CA 92263-5206

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	$3,461.00 (-40.25%)
2025	$5,792.00	$58,100 (-) Land $8,800 Building $49,300	$141,363 (+11.92%) Land $21,411 Building $119,952
2023		$58,100 Land $8,800 Building $49,300	$126,304 Land $19,130 Building $107,174

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	1 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 91 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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