Herkimer County and German Flatts Town property record for 403 Otsego St, Ilion, NY 13357 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,516 sqft · built 1889 |
| Lot Size | 0.273 acres (11,920 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,057 (2025) |
| Deeds & Mortgages | Aug 2020 Refinance Dec 2018 Refinance |
| APN | 212801 119.60-1-46 |
| Primary APN | 212801 119.60-1-46 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,516 sqft Living Area |
| 1st Floor Area | 852 sqft |
| 2nd Floor Area | 600 sqft |
| Upper Floors Area | 64 sqft |
| Attic | Attic |
| Attic Area | 64 sqft |
| Year Built | Built 1889 |
|---|---|
| Effective Year Built | Effective 1889 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 11,920 sqft (0.273 acres) |
| Lot Dimensions | 149 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 588 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 231 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 20186158 |
|---|---|
| Street Address | 403 OTSEGO ST |
| City | ILION |
| State | NY |
| Zip | 13357-2513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 403 OTSEGO ST E R1 2G |
| Legal Block | 1 |
| Legal Lot Number | 46.000 |
| 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 · APN 212801 119.60-1-46
Assessment roll updated May 1, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 403 OTSEGO ST, ILION, NY 13357-2513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 05, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance PLAZA HOME MORTGAGE BANK FSB |
| Dec 20, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance PLAZA HOME MORTGAGE INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | May 29, 2009 |
| Transfer Doc | 0000001320/000000055 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERKIMER NY |
| Property Address | 403 OTSEGO ST, ILION, NY 13357-2513 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20203167 |
|---|---|
| Date | Aug 05, 2020 |
| Instrument | 2020-3167 |
| Name | PLAZA HOME MORTGAGE BANK FSB |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERKIMER NY |
| Property Address | 403 OTSEGO ST, ILION, NY 13357-2513 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20186159 |
|---|---|
| Date | Dec 20, 2018 |
| Instrument | 2018-6159 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2049 |
Source: Herkimer County and German Flatts Town records · Assessment roll updated May 1, 2026 · Last verified May 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,057.00 (+5.65%) | $62,000 (-) Land $13,900 Building $48,100 | $116,105 (+3%) Land $26,030 Building $90,075 |
| 2023 | $62,000 Land $13,900 Building $48,100 | $112,727 Land $25,273 Building $87,454 | |
| 2020 | $3,840.00 |
Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360430104003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on Record median of 32 individual NFIP policies nearby |
| 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, river or lake flooding, Severe Storms And Flooding |
| Claims By Storm |
|
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 409 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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