286 Main St, Unadilla, NY 13849 Property Records

Otsego County and Unadilla Town property record for 286 Main St, Unadilla, NY 13849

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,072 sqft · built 1906
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$106,000 (Apr 2020)
Tax Bill	$3,653 (2026)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`366201 334.19-3-54.00`

Property Details

APN / Parcel Number

Primary APN	`366201 334.19-3-54.00`
Alternative APNs	`620133401900030540000000` `051780`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,072 sqft Total Area
1st Floor Area	1,036 sqft
2nd Floor Area	1,036 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Lot Width	41 ft Width
Garage Type	Detached
Porch	Slab
Porch Area	182 sqft
Patio Area	15 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	051780
Street Address	286 MAIN ST
City	UNADILLA
State	NY
Zip	13849-2245
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	003 0 0
Legal Block	3
Legal Lot Number	54.000
Jurisdiction	OTSEGO NY
Township / Civil Division	UNADILLA
Census Block Group	2
Census Block	2007
Census Tract	591601

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Unadilla Village Historic District listed 1992 · 151 contributing resources · NRIS 92001079

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

286 Main St, a duplex, is owned and occupied by an individual who acquired it in December 2024.

Source: Otsego County and Unadilla Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	286 MAIN ST, UNADILLA, NY 13849-2245
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2020 · Amount on File
Deed Sale	Apr 21, 2020 · Amount on File
Prior Sale	Jul 24, 2006 · Amount on File
Deed Document Number	20202020-1610
Last Transfer Date	Dec 20, 2024
Transfer Doc	0000000049
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Apr 21, 2020
Property Address	286 MAIN ST, UNADILLA, NY 13849-2245
Document Number	0000001610
Instrument Date	Apr 14, 2020
Instrument	1610
Transaction Type	Transfer
Record Updated	May 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$424.00
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	70 MARKET ST #C ONEONTA NY 138203521, C, ONEONTA, NY 13820-3521

Mortgage

Document Number	1611
Date	Apr 21, 2020
Instrument	1611

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 20, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 286 Main St was $3,653, down 6.1% from the year before.

Source: Otsego County and Unadilla Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Unadilla Town
Municipality	Unadilla Village
Unified School District	Otego-Unadilla Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,653.00 (-6.09%)
2025	$3,890.00	$58,800 Land $10,000 Building $48,800	$143,415 Land $24,390 Building $119,025
2023		$58,800 Land $10,000 Building $48,800	$125,106 Land $21,277 Building $103,829

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

Flood

FEMA maps place 286 Main St in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	3 (2011)
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 3 claims

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

Wildfire risk around 286 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	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	UNADILLA VILLAGE serves 1,128 people · EPA ID NY3800158
Water Source	Groundwater
Last State Inspection	Oct 2022
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Dec 2023
Monitoring and Reporting	25 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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Delhi Telephone Company, Frontier, Verizon.

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