434 Otsego St, Ilion, NY 13357 Property Records

Herkimer County and German Flatts Town property record for 434 Otsego St, Ilion, NY 13357

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,904 sqft · built 1910
Lot Size	0.478 acres (20,849 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Jun 2014)
Tax Bill	$4,149 (2025)
Deeds & Mortgages	Sep 2023 Mortgage
APN	`212801 119.60-1-66`

Property Details

APN / Parcel Number

Primary APN	`212801 119.60-1-66`
Alternative APNs	`280111906000010660000000` `186166`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,904 sqft Living Area
1st Floor Area	1,000 sqft
2nd Floor Area	1,000 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	20,849 sqft (0.478 acres)
Lot Dimensions	248 ft deep x 83.8 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	272 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	186166
Street Address	434 OTSEGO ST
City	ILION
State	NY
Zip	13357-2530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	434-436 OTSEGO R1 G AGP
Legal Block	1
Legal Lot Number	66.000
Jurisdiction	HERKIMER NY
Township / Civil Division	GERMAN FLATTS
Census Block Group	5
Census Block	5017
Census Tract	10300

Owner

Source: Herkimer County and German Flatts Town assessment roll, APN 212801 119.60-1-66, as of 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	434 OTSEGO ST, ILION, NY 13357-2530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 20, 2014 · Amount on Record
Deed Sale	Jun 20, 2014 · Amount on Record
Prior Sale	Oct 25, 2013 · Amount on Record
Deed Book / Page	1532 / 979
Record Updated	Jun 08, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERKIMER NY
Property Address	434 OTSEGO ST, ILION, NY 13357-2530
Transaction Type	Mortgage
Record Updated	Oct 03, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	RP20234161
Date	Sep 12, 2023
Instrument	RP2023-4161

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Oct 01, 2054

Tax Assessment & Valuation

Source: Herkimer County and German Flatts Town assessment roll as of May 1, 2026 · Last verified May 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,149.00 (+5.6%)	$63,400 (-) Land $10,500 Building $52,900	$118,727 (+3%) Land $19,663 Building $99,064
2023		$63,400 Land $10,500 Building $52,900	$115,273 Land $19,091 Building $96,182
2020	$3,929.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360430103005, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record 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	Severe Storms And Flooding, Jun 2013 · 10 claims Remnants Of Tropical Storm Lee, Sep 2011 · 4 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
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.

Internet Providers

Source: FCC Broadband Data Collection, 409 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NY2102307, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ILION (V) WATER WORKS serves 8,053 people
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	36 ppb (2020) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.