3 Earls Rd, Hartwick, NY 13348 Property Records

Otsego County and Hartwick Town property record for 3 Earls Rd, Hartwick, NY 13348

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,470 sqft · built 1900
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,537,000 (Mar 2024)
Tax Bill	$2,768 (2026)
Deeds & Mortgages	May 2026 Mortgage Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`363200 144.15-1-11.00`

Property Details

APN / Parcel Number

Primary APN	`363200 144.15-1-11.00`
Alternative APNs	`320014401500010110000000` `047500`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,470 sqft Living Area
1st Floor Area	1,582 sqft
2nd Floor Area	888 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	13,504 sqft (0.31 acres)
Lot Width	20 ft Width
Porch	Slab
Porch Area	90 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	047500
Street Address	3 EARLS RD
City	HARTWICK
State	NY
Zip	13348-7108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	989 0 0
Legal Block	1
Legal Lot Number	11.000
Jurisdiction	OTSEGO NY
Township / Civil Division	HARTWICK
Census Block Group	2
Census Block	2027
Census Tract	590201

Historic Designation

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

Historic District	Within the Hartwick Historic District listed 2013 · 150 contributing resources · NRIS 13000610

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

Owner

Source: Otsego County and Hartwick 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	2 Individual Names on Record
Mailing Address	3328 COUNTY HIGHWAY 11, HARTWICK, NY 13348-3012
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 21, 2024	Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2024 · Amount on Record
Deed Sale	Mar 21, 2024 · Amount on Record
Prior Sale	Sep 4, 2008 · Amount on Record
Deed Document Number	20242024-1110
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Recording Date	May 19, 2026
Property Address	3 EARLS RD, HARTWICK, NY 13348-7108
Document Number	0000000311
Instrument Date	May 11, 2026
Instrument	20262311
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 EARLS RD, HARTWICK, NY 13348-7108

Mortgage

Document Number	0000002311,
Date	May 19, 2026
Instrument	20262311

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	OTSEGO NY
Recording Date	Mar 21, 2024
Property Address	3 EARLS RD, HARTWICK, NY 13348-7108
Document Number	0000000110
Instrument Date	Feb 26, 2024
Instrument	2024-1110
Transaction Type	Transfer
Record Updated	Apr 9, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3328 COUNTY HIGHWAY 11, HARTWICK, NY 13348-3012

Mortgage

Document Number	0000000111
Date	Mar 21, 2024
Instrument	2024-1111

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Hartwick Town
Unified School District	Cooperstown Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,768.00 (+6.38%)
2025	$2,602.00	$133,400 (+104.92%) Land $500 Building $132,900	$190,571 (+154.09%) Land $714 Building $189,857
2023		$65,100 Land $500 Building $64,600	$75,000 Land $576 Building $74,424

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2006 · Severe Storms And Flooding

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARTWICK WATER DISTRICT serves 416 people · EPA ID NY3800150
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: OEConnect.

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