292 Main St, Otego, NY 13825 Property Records

Otsego County and Otego Town property record for 292 Main St, Otego, NY 13825

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,080 sqft · built 1900
Lot Size	0.92 acres (40,075 sqft)
Owner	Individual Name on File
Tax Bill	$853 (2026)
Flood Zone	Zone X (minimal risk)
APN	`364801 317.19-1-55.00`

Property Details

APN / Parcel Number

Primary APN	`364801 317.19-1-55.00`
Alternative APNs	`480131701900010550000000` `050100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,080 sqft Living Area
1st Floor Area	1,040 sqft
2nd Floor Area	1,040 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	40,075 sqft (0.92 acres)
Lot Width	182 ft Width
Porch	Slab
Porch Area	199 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	050100
Street Address	292 MAIN ST
City	OTEGO
State	NY
Zip	13825-3242
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	988 0 0
Legal Block	1
Legal Lot Number	55.000
Jurisdiction	OTSEGO NY
Township / Civil Division	OTEGO
Census Block Group	3
Census Block	3018
Census Tract	591401

Owner

292 Main St, a single family home, is owned by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	96 WILLOW ST, OTEGO, NY 13825-2137
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 292 Main St was $853, up 1.4% from the year before.

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$853.00 (+1.43%)
2025	$841.00	$29,500 Land $29,500	$38,816 Land $38,816
2023		$29,500 Land $29,500	$31,720 Land $31,720

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

Flood

FEMA maps place 292 Main St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2006.

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
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

Wildfire risk around 292 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.

Internet Providers

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