Otsego County and Worcester Town property record for 3 Elm St, Worcester, NY 12197
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $3,367 (2026) |
| Deeds & Mortgages | Nov 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 366600 199.18-1-36.00 |
| Primary APN | 366600 199.18-1-36.00 |
|---|---|
| Alternative APNs |
|
| Lot Area | 6,534 sqft (0.15 acres) |
|---|---|
| Lot Width | 94 ft Width |
| Account Number | 480420002 |
|---|---|
| Street Address | 3 ELM ST |
| City | WORCESTER |
| State | NY |
| Zip | 12197-2033 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RHD |
| Legal Block | 1 |
| Legal Lot Number | 36.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | WORCESTER |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 590702 |
3 Elm St is owned by a company and is owner-occupied.
Source: Otsego County and Worcester Town records, as of September 23, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 3 ELM ST, WORCESTER, NY 12197-2033 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 3 ELM ST, WORCESTER, NY 12197-2033 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000140 |
|---|---|
| Date | Nov 7, 2022 |
| Instrument | 2022-6140 |
| Name | BROADVIEW FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2037 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 3 Elm St was $3,367 with a homeowner's exemption, up 17.4% from the year before.
Source: Otsego County and Worcester Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Worcester Town |
| Unified School District | Worcester Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,367.00 (+17.44%) Homeowner's exemption | ||
| 2025 | $2,867.00 | $56,500 Land $7,000 Building $49,500 | $137,470 Land $17,032 Building $120,438 |
| 2023 | $56,500 Land $7,000 Building $49,500 | $122,826 Land $15,217 Building $107,609 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Elm St in Zone X, an area of minimal flood risk.
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 |
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 risk around 3 Elm 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 160 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 |
5G (outdoors only) and 4G LTE
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