Otsego County and Worcester Town property record for 45 Main St, Worcester, NY 12197
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $150,000 (Oct 2026) |
| Tax Bill | $1,592 (2026) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 366600 185.13-1-7.00 |
| Primary APN | 366600 185.13-1-7.00 |
|---|---|
| Alternative APNs |
|
| Lot Area | 4,356 sqft (0.1 acres) |
|---|---|
| Lot Width | 186 ft Width |
| Account Number | 480676002 |
|---|---|
| Street Address | 45 MAIN ST |
| City | WORCESTER |
| State | NY |
| Zip | 12197 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RHD |
| Legal Block | 1 |
| Legal Lot Number | 7.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | WORCESTER |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 590702 |
Source: Otsego County and Worcester Town records, as of October 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 135 WM BOYD RD, SLOANSVILLE, NY 12160-2011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2026 · Amount on Record |
| Deed Sale | Oct 1, 2026 · Amount on Record |
| Prior Sale | Sep 16, 1994 · Amount on Record |
| Deed Document Number | 20264435 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 1, 2026 |
| Property Address | 45 MAIN ST, WORCESTER, NY 12197 |
| Document Number | 0000004435 |
| Instrument Date | Sep 22, 2026 |
| Instrument | 20264435 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 135 WM BOYD RD, SLOANSVILLE, NY 12160-2011 |
| Date | Oct 1, 2026 |
|---|
| Name | RESIDENTIAL LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
Source: Otsego County and Worcester Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Worcester Town |
| Unified School District | Worcester Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,592.00 (+32.67%) Homeowner's exemption | ||
| 2025 | $1,200.00 | $26,670 (-5.43%) Land $3,200 Building $23,470 | $64,891 (+5.85%) Land $7,786 Building $57,105 |
| 2023 | $28,200 Land $5,100 Building $23,100 | $61,304 Land $11,087 Building $50,217 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 20, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 1 in force |
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: 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: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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