476 Co Hwy 1, Mount Upton, NY 13809 Property Records

Otsego County and Unadilla Town property record for 476 Co Hwy 1, Mount Upton, NY 13809

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,196 sqft · built 2007
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on Record
Last Sale	$138,297 (Mar 2021)
Tax Bill	$3,399 (2026)
Deeds & Mortgages	Jun 2022 Refinance Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`366289 327.00-2-1.00`

Property Details

APN / Parcel Number

Primary APN	`366289 327.00-2-1.00`
Alternative APNs	`628932700000020010000000` `205900`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Ranch
Foundation Type	Slab (Mat/Raft)
Lot Area	24,394 sqft (0.56 acres)
Lot Dimensions	157 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	205900
Street Address	476 COUNTY HIGHWAY 1
City	MOUNT UPTON
State	NY
Zip	13809-2103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	1.000
Jurisdiction	OTSEGO NY
Township / Civil Division	UNADILLA
Census Block Group	1
Census Block	1027
Census Tract	591602

Owner

Source: Otsego County and Unadilla Town records, as of September 23, 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	476 COUNTY HIGHWAY 1, MOUNT UPTON, NY 13809-2103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance VISIONS FCU
Mar 24, 2021	Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP
Jun 15, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2021 · Amount on Record
Deed Sale	Mar 24, 2021 · Amount on Record
Prior Sale	Oct 21, 2010 · Amount on Record
Deed Document Number	20211658
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	476 COUNTY HIGHWAY 1, MOUNT UPTON, NY 13809-2103
Transaction Type	Mortgage
Record Updated	Jul 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000266
Date	Jun 14, 2022
Instrument	2022-3266

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Mar 24, 2021
Property Address	476 COUNTY HIGHWAY 1, MOUNT UPTON, NY 13809-2103
Document Number	0000000658
Instrument Date	Mar 19, 2021
Instrument	2021-1658
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 BUTTERNUT RD, UNADILLA, NY 13849-2156

Mortgage

Document Number	0000000659
Date	Mar 24, 2021
Instrument	2021-1659

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	476 COUNTY HIGHWAY 1, MOUNT UPTON, NY 13809-2103
Document Number	0000003034
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	476 COUNTY HIGHWAY 1 MOUNT UPTON NY 138092103, MOUNT UPTON, NY 13809-2103

Mortgage

Document Number	0000003034
Date	Jul 27, 2020
Instrument	3034

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 26, 2040

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Unadilla Town
Unified School District	Sidney Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,399.00 (+0.71%)
2025	$3,375.00	$82,600 (-) Land $11,300 Building $71,300	$201,463 (+14.63%) Land $27,561 Building $173,902
2023		$82,600 Land $11,300 Building $71,300	$175,745 Land $24,043 Building $151,702

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2006–2011)
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee

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

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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3
Frontier DSL	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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