Herkimer County and German Flatts Town property record for 391 Otsego St, Ilion, NY 13357
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,231 sqft · built 1874 |
| Lot Size | 0.275 acres (12,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $65,000 (Dec 2013) |
| Tax Bill | $3,412 (2026) |
| Deeds & Mortgages | Oct 2023 Mortgage Sep 2020 Mortgage + 1 more |
| APN | 212801 119.60-1-43 |
| Primary APN | 212801 119.60-1-43 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,231 sqft Living Area |
| 1st Floor Area | 778 sqft |
| Upper Floors Area | 453 sqft |
| Year Built | Built 1874 |
|---|---|
| Effective Year Built | Effective 1874 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,000 sqft (0.275 acres) |
| Lot Dimensions | 150 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 104 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 183163 |
|---|---|
| Street Address | 391 OTSEGO ST |
| City | ILION |
| State | NY |
| Zip | 13357-2526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | 391 OTSEGO ST E R1 2G |
| Legal Block | 1 |
| Legal Lot Number | 43.000 |
| Jurisdiction | HERKIMER NY |
| Township / Civil Division | GERMAN FLATTS |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 10400 |
Source: Herkimer County and German Flatts 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 | 391 OTSEGO ST, ILION, NY 13357-2526 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 3, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Sep 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Oct 3, 2019 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 18, 2013 · Amount on Record |
| Deed Sale | Dec 18, 2013 · Amount on Record |
| Deed Book / Page | 1515 / 64 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERKIMER NY |
| Property Address | 391 OTSEGO ST, ILION, NY 13357-2526 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | RP20234513 |
|---|---|
| Date | Oct 3, 2023 |
| Instrument | RP2023-4513 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 277 Months |
| Due | Nov 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERKIMER NY |
| Property Address | 391 OTSEGO ST, ILION, NY 13357-2526 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | RP20203913 |
|---|---|
| Date | Sep 14, 2020 |
| Instrument | RP2020-3913 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERKIMER NY |
| Recording Date | Oct 3, 2019 |
| Property Address | 391 OTSEGO ST, ILION, NY 13357-2526 |
| Document Number | 0020194389 |
| Instrument Date | Oct 3, 2019 |
| Instrument | 2019-4389 |
| Transaction Type | Transfer |
| Record Updated | Mar 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 391 OTSEGO ST, ILION, NY 13357-2526 |
Source: Herkimer County and German Flatts Town assessment roll, as of May 1, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Herkimer County |
| County Subdivision | German Flatts Town |
| Municipality | Ilion Village |
| Unified School District | Central Valley Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,412.00 (+2.83%) Homeowner's exemption | ||
| 2025 | $3,318.00 (-2.84%) | $50,700 (-) Land $12,000 Building $38,700 | $94,944 (+3%) Land $22,472 Building $72,472 |
| 2023 | $50,700 Land $12,000 Building $38,700 | $92,182 Land $21,818 Building $70,364 | |
| 2020 | $3,415.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on Record median of 32 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 59 (2006–2013) |
| Claims Outside the SFHA | 1 of 59 |
| Most Recent Claim | Jun 2013 · Severe Storms And Flooding |
| Claims by Event |
|
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 | 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 | ILION (V) WATER WORKS serves 8,053 people · EPA ID NY2102307 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 36 ppb (2020) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control currently in violation since Aug 2025 |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 409 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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