Otsego County and Laurens Town property record for 286 Ymca Rd, Otego, NY 13825
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 2 ba · 1,980 sqft · built 1985 |
| Lot Size | 17 acres (740,956 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $195,000 (Oct 2016) |
| Tax Bill | $6,244 (2025) |
| Deeds & Mortgages | Aug 2022 Transfer Mar 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 363489 255.00-2-22.21 |
| Primary APN | 363489 255.00-2-22.21 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,980 sqft Living Area |
| 1st Floor Area | 1,980 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 740,956 sqft (17 acres) |
| Lot Width | 1,718 ft Width |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 288 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 203980 |
|---|---|
| Street Address | 286 YMCA RD |
| City | OTEGO |
| State | NY |
| Zip | 13825-2273 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | 07 - MIXED |
| Legal Block | 2 |
| Legal Lot Number | 22.021 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | LAURENS |
| Census Block Group | 2 |
| Census Block | 2074 |
| Census Tract | 591402 |
Source: Otsego County and Laurens Town records, as of April 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 286 YMCA RD, OTEGO, NY 13825-2273 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Aug 9, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Mar 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2016 · Amount on Record |
| Deed Sale | Oct 4, 2016 · Amount on Record |
| Prior Sale | Jun 24, 2010 · Amount on Record |
| Deed Book / Page | 2016 / 5034 |
| Last Transfer Date | Aug 8, 2022 |
| Transfer Doc | 0000000359 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 9, 2022 |
| Property Address | 286 YMCA RD, OTEGO, NY 13825-2273 |
| Document Number | 0000000359 |
| Instrument Date | Aug 8, 2022 |
| Instrument | 2022-4359 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 286 YMCA RD, OTEGO, NY 13825-2273 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 286 YMCA RD, OTEGO, NY 13825-2273 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 387 |
|---|---|
| Date | Mar 11, 2021 |
| Instrument | 2021-1387 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
Source: Otsego County and Laurens Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Laurens Town |
| Unified School District | Laurens Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,244.00 | $202,400 (-) Land $37,300 Building $165,100 | $304,361 (+12.99%) Land $56,090 Building $248,271 |
| 2023 | $202,400 Land $37,300 Building $165,100 | $269,364 Land $49,641 Building $219,723 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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.
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.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| OEConnect Fiber | 1,000 / 1,000 |
May also be available: Spectrum.
No cell data coverage reported
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