Otsego County and Otego Town property record for 340 Main St, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 8 bd · 4.5 ba · 2,538 sqft · built 1850 |
| Lot Size | 1.66 acres (72,310 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $229,000 (Aug 2023) |
| Tax Bill | $5,766 (2026) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Sep 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 364801 317.15-2-34.00 |
| Primary APN | 364801 317.15-2-34.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,538 sqft Living Area |
| 1st Floor Area | 1,629 sqft |
| 2nd Floor Area | 909 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 72,310 sqft (1.66 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 428 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 068600 |
|---|---|
| Street Address | 340 MAIN ST |
| City | OTEGO |
| State | NY |
| Zip | 13825-3500 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 993 0 0 |
| Legal Block | 2 |
| Legal Lot Number | 34.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 591401 |
340 Main St is owned and occupied by two individuals who bought it in August 2023.
Source: Otsego County and Otego Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 340 MAIN ST, OTEGO, NY 13825-3500 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Aug 28, 2023 | Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA |
| Sep 22, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2023 · Amount on File |
| Deed Sale | Aug 28, 2023 · Amount on File |
| Deed Document Number | 20233469 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 28, 2023 |
| Property Address | 340 MAIN ST, OTEGO, NY 13825-3500 |
| Document Number | 0000000469 |
| Instrument Date | Jun 23, 2023 |
| Instrument | 2023-3469 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1018 COUNTY HIGHWAY 5, OTEGO, NY 13825-2154 |
| Document Number | 0000000470 |
|---|---|
| Date | Aug 28, 2023 |
| Instrument | 2023-3470 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Sep 22, 2020 |
| Property Address | 340 MAIN ST, OTEGO, NY 13825-3500 |
| Document Number | 0000004054 |
| Instrument Date | Apr 5, 2020 |
| Instrument | 4054 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $240.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 900 S FAMILY DR #16 ALBANY NY 122051021, 16, ALBANY, NY 12205-1021 |
The 2026 property tax bill for 340 Main St was $5,766, up 1.4% 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 | $5,766.00 (+1.42%) | ||
| 2025 | $5,685.00 | $198,000 Land $31,300 Building $166,700 | $260,526 Land $41,184 Building $219,342 |
| 2023 | $125,000 (-) Land $31,300 Building $93,700 | $134,409 (+7.53%) Land $33,656 Building $100,753 | |
| 2022 | $125,000 Land $31,300 Building $93,700 | $125,000 Land $31,300 Building $93,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 340 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 340 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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