481 Williams Rd, Cooperstown, NY 13326 Property Records

Otsego County and Otsego Town property record for 481 Williams Rd, Cooperstown, NY 13326

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2 ba · 1,660 sqft · built 1999
Lot Size	19.5 acres (851,598 sqft)
Owner	Individual Name on File
Last Sale	$158,900 (Aug 2019)
Tax Bill	$4,262 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`365089 113.00-1-57.51`

Property Details

APN / Parcel Number

Primary APN	`365089 113.00-1-57.51`
Alternative APNs	`508911300000010570510000` `196189`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,660 sqft Living Area
1st Floor Area	1,660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Rustic
Exterior Material	Composition/Composite
Lot Area	851,598 sqft (19.5 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Canopy	840 sqft
Quonset Hut	Quonset Hut

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	196189
Street Address	481 WILLIAMS RD
City	COOPERSTOWN
State	NY
Zip	13326-6513
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	01 - NOT Z
Legal Description	002 0 0
Legal Block	1
Legal Lot Number	57.051
Jurisdiction	OTSEGO NY
Township / Civil Division	OTSEGO
Census Block Group	4
Census Block	4069
Census Tract	590202

Owner

481 Williams Rd, a residential property, is owned and occupied by an individual who bought it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	481 WILLIAMS RD, COOPERSTOWN, NY 13326-6513
Occupancy	Owner Occupied
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
Oct 5, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 6, 2019	Warranty Deed, Transfer · FHA Mortgage LAND HM FIN'L SVCS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2019 · Amount on File
Deed Sale	Aug 6, 2019 · Amount on File
Prior Sale	Jun 20, 1997 · Amount on File
Deed Document Number	20193504
Prior Transfer Date	May 6, 2009
Prior Transfer Doc	1123000409
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	481 WILLIAMS RD, COOPERSTOWN, NY 13326-6513
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000508
Date	Oct 5, 2021
Instrument	2021-5508

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Nov 1, 2049

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Aug 6, 2019
Property Address	481 WILLIAMS RD, COOPERSTOWN, NY 13326-6513
Document Number	0000003504
Instrument Date	Jul 31, 2019
Instrument	3504
Transaction Type	Transfer
Record Updated	Aug 26, 2019
Title Company	BUTTICE ABSTRACT AND RESEARCH, BUTTICE ABS & RESEARCH

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$635.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4542 STATE HWY 28 ONEONTA NY 13820, ONEONTA, NY 13820

Mortgage

Document Number	3505
Date	Aug 6, 2019
Instrument	3505

Lender

Name	LAND HM FIN'L SVCS INC
Address	CONCORD, CA 94520

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 481 Williams Rd was $4,262, up 6.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,262.00 (+6.26%)
2025	$4,011.00	$220,000 Land $61,600 Building $158,400	$314,286 Land $88,000 Building $226,286
2023		$220,000 Land $61,600 Building $158,400	$268,293 Land $75,122 Building $193,171

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

Flood

FEMA maps place 481 Williams Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	3 (1978–2006)
Claims Outside the SFHA	1 of 3
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 481 Williams 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
OEConnect Fiber	1,000 / 1,000

May also be available: T-Mobile.

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