309 Ymca Rd, Otego, NY 13825 Property Records

Otsego County and Laurens Town property record for 309 Ymca Rd, Otego, NY 13825

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 1992
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Tax Bill	$2,972 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Jan 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`363489 256.00-1-31.04`

Property Details

APN / Parcel Number

Primary APN	`363489 256.00-1-31.04`
Alternative APNs	`348925600000010310040000` `215991`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	43,560 sqft (1 acres)
Lot Width	247 ft Width
Porch	Slab
Porch Area	32 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	215991
Street Address	309 YMCA RD
City	OTEGO
State	NY
Zip	13825-2272
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	07 - MIXED
Legal Block	1
Legal Lot Number	31.004
Jurisdiction	OTSEGO NY
Township / Civil Division	LAURENS
Census Block Group	2
Census Block	2055
Census Tract	591402

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	309 YMCA RD, OTEGO, NY 13825-2272
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage SIDNEY FCU
Jan 2, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) COMMUNITY BANK NA
Dec 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	309 YMCA RD, OTEGO, NY 13825-2272
Transaction Type	Mortgage
Record Updated	Nov 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000084
Date	Oct 16, 2025
Instrument	2025-4084

Lender

Name	SIDNEY FCU

Agreement

Amount	Amount Recorded

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	309 YMCA RD, OTEGO, NY 13825-2272
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000006
Date	Jan 2, 2024
Instrument	2024-006

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	229 Months
Due	Feb 1, 2043

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	309 YMCA RD, OTEGO, NY 13825-2272
Document Number	0000000750
Instrument Date	Dec 17, 2018
Transaction Type	Mortgage
Record Updated	Apr 29, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 YMCA RD OTEGO NY 138252272, OTEGO, NY 13825-2272

Mortgage

Document Number	0000000750
Date	Feb 19, 2019
Instrument	750

Lender

Name	COMMUNITY BK NA
Address	OLEAN, NY 14760

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 18, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Laurens Town
Unified School District	Laurens Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,972.00 (+37.78%) Homeowner's exemption
2025	$2,157.00	$82,100 (-) Land $18,000 Building $64,100	$123,459 (+12.99%) Land $27,068 Building $96,391
2023		$82,100 Land $18,000 Building $64,100	$109,263 Land $23,955 Building $85,308

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

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	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.

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.

Internet Providers

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.

Cell Coverage

No cell data coverage reported

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