Otsego County and Otego Town property record for 362 Main St, Otego, NY 13825
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,760 sqft · built 1947 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $62,000 (Oct 2005) |
| Tax Bill | $2,249 (2026) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 364801 317.16-1-34.00 |
| Primary APN | 364801 317.16-1-34.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,760 sqft Total Area |
| 1st Floor Area | 1,040 sqft |
| 2nd Floor Area | 720 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Width | 29 ft Width |
| Porch | Porch |
| Porch Area | 36 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 013830 |
|---|---|
| Street Address | 362 MAIN ST |
| City | OTEGO |
| State | NY |
| Zip | 13825-7711 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Block | 1 |
| Legal Lot Number | 34.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 3 |
| Census Block | 3014 |
| 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 | PO BOX 592, OTEGO, NY 13825-0592 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 24, 2005 · Amount on Record |
| Deed Sale | Oct 24, 2005 · Amount on Record |
| Prior Sale | Sep 3, 2003 · Amount on Record |
| Deed Book / Page | 1087 / 762 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 16, 2020 |
| Property Address | 362 MAIN ST, OTEGO, NY 13825-7711 |
| Document Number | 0000004509 |
| Instrument Date | Sep 18, 2020 |
| Instrument | 4509 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $448.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 57 RIVER ST ONEONTA NY 138202779, ONEONTA, NY 13820-2779 |
| Document Number | 4510 |
|---|---|
| Date | Oct 16, 2020 |
| Instrument | 4510 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 15, 2050 |
| Document Number | 4511, |
|---|---|
| Date | Oct 16, 2020 |
| Instrument | 4511 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Amount | Amount Recorded |
|---|
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 | $2,249.00 (+1.76%) | ||
| 2025 | $2,210.00 | $75,000 (-) Land $20,900 Building $54,100 | $98,684 (+22.37%) Land $27,500 Building $71,184 |
| 2023 | $75,000 Land $20,900 Building $54,100 | $80,645 Land $22,473 Building $58,172 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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