Otsego County and Otego Town property record for 403 Main St, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,228 sqft · built 1954 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $4,803 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 364801 317.16-1-11.00 |
| Primary APN | 364801 317.16-1-11.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,228 sqft Living Area |
| 1st Floor Area | 1,168 sqft |
| 2nd Floor Area | 1,060 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 22,216 sqft (0.51 acres) |
| Lot Width | 122 ft Width |
| Garage Type | Mixed |
| Garage Area | 400 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 295 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 031120 |
|---|---|
| Street Address | 403 MAIN ST |
| City | OTEGO |
| State | NY |
| Zip | 13825-3243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 977 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 11.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 591401 |
403 Main St is owner-occupied and held in a trust.
Source: Otsego County and Otego Town records, as of September 23, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | PO BOX 228, OTEGO, NY 13825-0228 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 403 Main St was $4,803 with exemptions applied, up 33.6% 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 | $4,803.00 (+33.64%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $3,594.00 | $164,700 Land $25,100 Building $139,600 | $216,711 Land $33,026 Building $183,685 |
| 2023 | $164,700 Land $25,100 Building $139,600 | $177,097 Land $26,989 Building $150,108 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 Main St in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| 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 risk around 403 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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