442 Gulf Rd, Hartwick, NY 13348 Property Records

Otsego County and Hartwick Town property record for 442 Gulf Rd, Hartwick, NY 13348

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,800 sqft · built 2024
Lot Size	17.5 acres (764,478 sqft)
Owner	2 Individual Names on File
Last Sale	$27,000 (Dec 2018)
Tax Bill	$4,800 (2026)
Deeds & Mortgages	Dec 2023 Line of Credit Feb 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`363200 128.00-2-50.51`

Property Details

APN / Parcel Number

Primary APN	`363200 128.00-2-50.51`
Alternative APNs	`320012800000020500510000` `186502`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,200 sqft
2nd Floor Area	600 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	764,478 sqft (17.5 acres)
Garage Type	Detached
Garage Area	2,400 sqft
Parking Spaces	8 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	186502
Street Address	442 GULF RD
City	HARTWICK
State	NY
Zip	13348-2401
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Block	2
Legal Lot Number	50.051
Jurisdiction	OTSEGO NY
Township / Civil Division	HARTWICK
Census Block Group	2
Census Block	2019
Census Tract	590201

Owner

442 Gulf Rd, a rural home, is owned by two individuals who bought it in December 2018.

Source: Otsego County and Hartwick Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3074 COUNTY HIGHWAY 11, HARTWICK, NY 13348-7104
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2023	Deed of Trust, Mortgage · Line of Credit FARM CREDIT
Feb 8, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 10, 2018	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2018 · Amount on File
Deed Sale	Dec 10, 2018 · Amount on File
Prior Sale	Jul 9, 2014 · Amount on File
Deed Document Number	20185947
Prior Transfer Date	Nov 28, 2018
Prior Transfer Doc	0000000947
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	442 GULF RD, HARTWICK, NY 13348-2401
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000318
Date	Dec 22, 2023
Instrument	2023-5318

Lender

Name	FARM CREDIT

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO NY
Recording Date	Feb 8, 2019
Property Address	442 GULF RD, HARTWICK, NY 13348-2401
Document Number	0000000638
Instrument Date	Feb 6, 2019
Instrument	638
Transaction Type	Transfer
Record Updated	Apr 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3074 COUNTY HIGHWAY 11 HARTWICK NY 133487104, HARTWICK, NY 13348-7104

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Dec 10, 2018
Property Address	442 GULF RD, HARTWICK, NY 13348-2401
Document Number	0000005947
Instrument Date	Dec 4, 2018
Instrument	5947
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 87 HARTWICK NY 133480087, HARTWICK, NY 13348-0087

Tax Assessment & Valuation

The 2026 property tax bill for 442 Gulf Rd was $4,800, up 35.4% from the year before.

Source: Otsego County and Hartwick Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Hartwick Town
Unified School District	Cooperstown Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,800.00 (+35.36%)
2025	$3,546.00	$242,900 Land $38,400 Building $204,500	$347,000 Land $54,857 Building $292,143
2023		$59,100 Land $38,400 Building $20,700	$68,088 Land $44,240 Building $23,848

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 442 Gulf Rd in Zone X, an area of minimal flood risk, within 500 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2006 · Severe Storms And Flooding

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

Wildfire risk around 442 Gulf Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gulf Rd

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