Otsego County and Otego Town property record for 321 Main St, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,416 sqft · built 1880 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $158,700 (Jan 2019) |
| Tax Bill | $5,078 (2026) |
| Deeds & Mortgages | Feb 2026 Sale Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 364801 317.15-1-59.00 |
| Primary APN | 364801 317.15-1-59.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,416 sqft Living Area |
| 1st Floor Area | 1,472 sqft |
| 2nd Floor Area | 944 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Width | 66 ft Width |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 622 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 045630 |
|---|---|
| Street Address | 321 MAIN ST |
| City | OTEGO |
| State | NY |
| Zip | 13825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 997 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 59.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 591401 |
321 Main St is owned and occupied by two individuals who bought it in January 2019.
Source: Otsego County and Otego Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 321 MAIN ST, OTEGO, NY 13825 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Person |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 3, 2026 | Warranty Deed, Transfer |
| Jan 29, 2019 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 29, 2019 · Amount on File |
| Deed Sale | Jan 29, 2019 · Amount on File |
| Prior Sale | Aug 21, 1997 · Amount on File |
| Deed Document Number | 2019442 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Feb 3, 2026 |
| Property Address | 321 MAIN ST, OTEGO, NY 13825 |
| Document Number | 0000000097 |
| Instrument Date | Jan 27, 2026 |
| Instrument | 2026-497 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jan 29, 2019 |
| Property Address | 321 MAIN ST, OTEGO, NY 13825 |
| Document Number | 0000000442 |
| Instrument Date | Dec 5, 2018 |
| Instrument | 442 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4000 LOCH MERE RD HIGH POINT NC 272659342, HIGH POINT, NC 27265-9342 |
| Document Number | 443 |
|---|---|
| Date | Jan 29, 2019 |
| Instrument | 443 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 28, 2034 |
The 2026 property tax bill for 321 Main St was $5,078 with a veteran's exemption, up 1.7% from the year before.
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 | $5,078.00 (+1.74%) Veteran's exemption | ||
| 2025 | $4,991.00 (+4.44%) | $177,200 (-) Land $23,400 Building $153,800 | $233,158 (+14.47%) Land $30,789 Building $202,369 |
| 2024 | $4,779.00 Veteran's exemption | $177,200 (-) Land $23,400 Building $153,800 | $203,678 (+6.9%) Land $26,897 Building $176,781 |
| 2023 | $177,200 Land $23,400 Building $153,800 | $190,538 Land $25,161 Building $165,377 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 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 risk around 321 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 | 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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