38 River St, Otego, NY 13825 Property Records

Otsego County and Otego Town property record for 38 River St, Otego, NY 13825

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,728 sqft · built 1900
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Feb 2024)
Tax Bill	$2,368 (2026)
Deeds & Mortgages	Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`364801 317.20-1-27.00`

Property Details

APN / Parcel Number

Primary APN	`364801 317.20-1-27.00`
Alternative APNs	`480131702000010270000000` `042810`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,728 sqft Total Area
1st Floor Area	864 sqft
2nd Floor Area	864 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Lot Width	141 ft Width
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	312 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	042810
Street Address	38 RIVER ST
City	OTEGO
State	NY
Zip	13825-3103
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	1
Legal Lot Number	27.000
Jurisdiction	OTSEGO NY
Township / Civil Division	OTEGO
Census Block Group	3
Census Block	3015
Census Tract	591401

Owner

38 River St, a duplex, is owned and occupied by an individual who bought it in February 2024.

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

Owner of Record	Individual Name on File
Mailing Address	38 RIVER ST, OTEGO, NY 13825-3103
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	Name on Deed
Last Sale	Feb 28, 2024 · Amount on File
Deed Sale	Feb 28, 2024 · Amount on File
Deed Document Number	2024812
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Feb 28, 2024
Property Address	38 RIVER ST, OTEGO, NY 13825-3103
Document Number	0000000012
Instrument Date	Feb 26, 2024
Instrument	2024-812
Transaction Type	Transfer
Record Updated	Mar 19, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	142 GULF RD, OTEGO, NY 13825-3228
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000013
Date	Feb 28, 2024
Instrument	2024-813

Lender

Name	ROCKET MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 38 River St was $2,368 with exemptions applied, down 12.1% from the year before.

Source: Otsego County and Otego Town assessment roll, as of April 30, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,368.00 (-12.13%) Disabled Person's exemption Veteran's exemption
2025	$2,695.00	$92,000 Land $22,100 Building $69,900	$121,053 Land $29,079 Building $91,974
2023		$92,000 Land $22,100 Building $69,900	$98,925 Land $23,764 Building $75,161

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 38 River 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

Wildfire risk around 38 River 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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