Otsego County and Otego Town property record for 313 Main St, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,128 sqft · built 1906 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $75,000 (Mar 2003) |
| Tax Bill | $4,664 (2026) |
| Deeds & Mortgages | Jun 2021 Refinance Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 364801 317.15-1-61.00 |
| Primary APN | 364801 317.15-1-61.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,128 sqft Living Area |
| 1st Floor Area | 1,204 sqft |
| 2nd Floor Area | 924 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 25,265 sqft (0.58 acres) |
| Lot Width | 78 ft Width |
| Porch | Slab |
| Porch Area | 530 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 032565 |
|---|---|
| Street Address | 313 MAIN ST |
| City | OTEGO |
| State | NY |
| Zip | 13825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 003 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 61.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 591401 |
Source: Otsego County and Otego 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 | Individual Name on Record |
|---|---|
| Mailing Address | 313 MAIN ST, OTEGO, NY 13825 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Dec 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 20, 2003 · Amount on Record |
| Deed Sale | Mar 20, 2003 · Amount on Record |
| Deed Book / Page | 1000 / 96 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 313 MAIN ST, OTEGO, NY 13825 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 489 |
|---|---|
| Date | Jun 23, 2021 |
| Instrument | 2021-3489 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 313 MAIN ST, OTEGO, NY 13825 |
| Document Number | 0000000003 |
| Instrument Date | Dec 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 313 MAIN ST OTEGO NY 13825, OTEGO, NY 13825 |
| Document Number | 0000000003 |
|---|---|
| Date | Jan 2, 2020 |
| Instrument | 3 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
Source: Otsego County and Otego Town assessment roll, as of April 30, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,664.00 (+13.18%) Homeowner's exemption | ||
| 2025 | $4,121.00 | $159,900 (-) Land $25,800 Building $134,100 | $210,395 (+22.37%) Land $33,947 Building $176,448 |
| 2023 | $159,900 Land $25,800 Building $134,100 | $171,935 Land $27,742 Building $144,193 |
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 |
| Flood Insurance Cost | Premium on Record 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.
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 | OTEGO VILLAGE serves 1,010 people · EPA ID NY3800155 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2021 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 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 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 |
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