Herkimer County and German Flatts Town property record for 408 Otsego St, Ilion, NY 13357
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,268 sqft · built 1930 |
| Lot Size | 0.149 acres (6,500 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,778 (2026) |
| Deeds & Mortgages | May 2019 Refinance May 2019 Refinance |
| APN | 212801 119.60-1-55 |
| Primary APN | 212801 119.60-1-55 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,268 sqft Living Area |
| 1st Floor Area | 708 sqft |
| 2nd Floor Area | 560 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,500 sqft (0.149 acres) |
| Lot Dimensions | 130 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 21 sqft |
| Pool Type | In-Ground Vinyl Pool |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 022013440 |
|---|---|
| Street Address | 408 OTSEGO ST |
| City | ILION |
| State | NY |
| Zip | 13357-2528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | 408 OTSEGO ST W R1 2G SP |
| Legal Block | 1 |
| Legal Lot Number | 55.000 |
| Jurisdiction | HERKIMER NY |
| Township / Civil Division | GERMAN FLATTS |
| Census Block Group | 5 |
| Census Block | 5020 |
| Census Tract | 10300 |
408 Otsego St is owned and occupied by two individuals who acquired it in September 2024.
Source: Herkimer County and German Flatts Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 408 OTSEGO ST, ILION, NY 13357-2528 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Also Known As (AKA) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 21, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance ADIRONDACK BANK |
| May 21, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance ADIRONDACK BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 25, 2024 |
| Transfer Doc | 0020245324 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERKIMER NY |
| Property Address | 408 OTSEGO ST, ILION, NY 13357-2528 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20192116 |
|---|---|
| Date | May 21, 2019 |
| Instrument | 2019-2116 |
| Name | ADIRONDACK BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERKIMER NY |
| Property Address | 408 OTSEGO ST, ILION, NY 13357-2528 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20192115 |
|---|---|
| Date | May 21, 2019 |
| Instrument | 2019-2115 |
| Name | ADIRONDACK BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2034 |
The 2026 property tax bill for 408 Otsego St was $4,778 with a homeowner's exemption, up 2.8% from the year before.
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 | $4,778.00 (+2.84%) Homeowner's exemption | ||
| 2025 | $4,646.00 | $71,000 Land $8,400 Building $62,600 | $132,959 Land $15,730 Building $117,229 |
| 2023 | $71,000 Land $8,400 Building $62,600 | $129,091 Land $15,273 Building $113,818 | |
| 2020 | $3,865.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 408 Otsego St; there have been 15 flood claims nearby since 1999.
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 File median of 37 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 37 in force |
| Nearby Flood Claims | 15 (1999–2013) |
| 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.
Wildfire risk around 408 Otsego 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 | 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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