Otsego County and Otego Town property record for 402 Main St, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,152 sqft · built 1900 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on File |
| Last Sale | $63,000 (Oct 1997) |
| Tax Bill | $3,383 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | 364801 317.16-1-24.00 |
| Primary APN | 364801 317.16-1-24.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 576 sqft |
| 2nd Floor Area | 576 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Width | 102 ft Width |
| Garage Type | Detached |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 792 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 045615 |
|---|---|
| Street Address | 402 MAIN ST |
| City | OTEGO |
| State | NY |
| Zip | 13825-3241 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 997 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 24.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 591401 |
402 Main St is owned by an individual who bought it in October 1997.
Source: Otsego County and Otego 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 | Individual Name on File |
|---|---|
| Mailing Address | 2791 STATE HIGHWAY 7, OTEGO, NY 13825-2191 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 29, 1997 · Amount on File |
| Deed Sale | Oct 29, 1997 · Amount on File |
| Deed Book / Page | 814 / 324 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 402 Main St was $3,383, up 1.5% from the year before.
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 | $3,383.00 (+1.5%) | ||
| 2025 | $3,333.00 | $115,600 Land $24,500 Building $91,100 | $152,105 Land $32,237 Building $119,868 |
| 2023 | $115,600 Land $24,500 Building $91,100 | $124,301 Land $26,344 Building $97,957 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 402 Main St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 20, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 risk around 402 Main 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 | 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 29 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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