391 State Hwy 7, Sidney, NY 13838 Property Records

Otsego County and Unadilla Town property record for 391 State Hwy 7, Sidney, NY 13838

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,772 sqft · built 1908
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Dec 2011)
Tax Bill	$2,053 (2026)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`366289 336.02-1-21.00`

Property Details

APN / Parcel Number

Primary APN	`366289 336.02-1-21.00`
Alternative APNs	`628933600200010210000000` `045500`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,772 sqft Living Area
1st Floor Area	886 sqft
2nd Floor Area	886 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Architectural Style	Traditional
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	173 ft deep x 77 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	295 sqft
Shed	1 Shed
Shed Area	264 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	045500
Street Address	391 STATE HIGHWAY 7
City	SIDNEY
State	NY
Zip	13838-2711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	986 0 0
Legal Block	1
Legal Lot Number	21.000
Jurisdiction	OTSEGO NY
Township / Civil Division	UNADILLA
Census Block Group	1
Census Block	1040
Census Tract	591602

Owner

391 State Hwy 7 is owned and occupied by two individuals who acquired it in June 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	391 STATE HIGHWAY 7, SIDNEY, NY 13838-2711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2011 · Amount on File
Deed Sale	Dec 23, 2011 · Amount on File
Deed Book / Page	2011 / 6010
Last Transfer Date	Jun 1, 2020
Transfer Doc	0000002293
Record Updated	Oct 29, 2026

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO NY
Recording Date	Jun 9, 2020
Property Address	391 STATE HIGHWAY 7, UNADILLA, NY 13849
Document Number	0000002293
Instrument Date	Jun 1, 2020
Instrument	2293
Transaction Type	Transfer
Record Updated	Jul 6, 2020
Title Company	NORTHWAY TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	391 STATE HIGHWAY 7 SIDNEY NY 138382711, SIDNEY, NY 13838-2711

Mortgage

Document Number	2294
Date	Jun 9, 2020
Instrument	2294

Lender

Name	CHEN-DEL-O FCU
Address	FRANKLIN, NY 13775-0102

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jun 8, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 391 State Hwy 7 was $2,053 with a homeowner's exemption, up 20.4% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Unadilla Town
Unified School District	Sidney Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,053.00 (+20.41%) Homeowner's exemption
2025	$1,705.00	$48,600 Land $4,400 Building $44,200	$118,537 Land $10,732 Building $107,805
2023		$48,600 Land $4,400 Building $44,200	$103,404 Land $9,362 Building $94,042

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

Flood

FEMA maps place 391 State Hwy 7 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2006–2011)
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 391 State Hwy 7 is low, with less than 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 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 180 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 / 50