374 Fox Rd, Otego, NY 13825 Property Records

Otsego County and Laurens Town property record for 374 Fox Rd, Otego, NY 13825

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2.5 ba · 1,764 sqft · built 2004
Lot Size	29.4 acres (1,283,713 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,991 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`363489 273.00-1-18.04`

Property Details

APN / Parcel Number

Primary APN	`363489 273.00-1-18.04`
Alternative APNs	`348927300000010180040000` `185293`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,764 sqft Living Area
1st Floor Area	1,764 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	1,283,713 sqft (29.4 acres)
Lot Width	931 ft Width
Garage Type	Detached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	630 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	185293
Street Address	374 FOX RD
City	OTEGO
State	NY
Zip	13825-2307
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	07 - MIXED
Legal Description	004FM 2395 0 4
Legal Block	1
Legal Lot Number	18.004
Jurisdiction	OTSEGO NY
Township / Civil Division	LAURENS
Census Block Group	2
Census Block	2078
Census Tract	591402

Owner

374 Fox Rd, a residential property, is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	374 FOX RD, OTEGO, NY 13825-2307
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Oct 30, 2020
Property Address	374 FOX RD, OTEGO, NY 13825-2307
Document Number	0000004822
Instrument Date	Oct 22, 2020
Instrument	4822
Transaction Type	Transfer
Record Updated	Nov 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3418 STATE HIGHWAY 23 WEST ONEONTA NY 138616903, WEST ONEONTA, NY 13861-6903

Mortgage

Document Number	4823
Date	Oct 30, 2020
Instrument	4823

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 374 Fox Rd was $6,991, up 16.4% from the year before.

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	$6,991.00 (+16.44%)
2025	$6,004.00	$194,600 Land $48,500 Building $146,100	$292,632 Land $72,932 Building $219,700
2023		$194,600 Land $48,500 Building $146,100	$258,983 Land $64,546 Building $194,437

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

Flood

FEMA maps place 374 Fox Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 374 Fox Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
OEConnect Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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