5 Mill St, Worcester, NY 12197 Property Records

Otsego County and Worcester Town property record for 5 Mill St, Worcester, NY 12197

Property Summary

Property Type	Single Family Home
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Jul 2022)
Tax Bill	$2,739 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Aug 2017 Transfer
Flood Zone	Zone A (high risk)
APN	`366600 199.19-1-49.00`

Property Details

APN / Parcel Number

Primary APN	`366600 199.19-1-49.00`
Alternative APNs	`660019901900010490000000` `480296022`

Exterior

Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	121 ft deep x 40 ft wide

Location & Zoning

Account Number	480296022
Street Address	5 MILL ST
City	WORCESTER
State	NY
Zip	12197-1909
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RHD
Legal Block	1
Legal Lot Number	49.000
Jurisdiction	OTSEGO NY
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3000
Census Tract	590702

Owner

Source: Otsego County and Worcester Town assessment roll, as of April 30, 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 File
Mailing Address	5 MILL ST, WORCESTER, NY 12197-1909
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2022	Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA
Aug 7, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 11, 2022 · Amount on Record
Deed Sale	Jul 11, 2022 · Amount on Record
Prior Sale	Dec 11, 2015 · Amount on Record
Deed Document Number	20223790
Prior Transfer Date	Jul 13, 2017
Prior Transfer Doc	2017003701
Record Updated	Jun 8, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	OTSEGO NY
Recording Date	Jul 11, 2022
Property Address	5 MILL ST, WORCESTER, NY 12197-1909
Document Number	0000000790
Instrument Date	Jul 6, 2022
Instrument	2022-3790
Transaction Type	Transfer
Record Updated	Aug 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	256 GIFT HILL RD RD, MARYLAND, NY 12116

Mortgage

Document Number	0000000791
Date	Jul 11, 2022
Instrument	2022-3791

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTSEGO NY
Recording Date	Aug 7, 2017
Property Address	5 MILL ST, WORCESTER, NY 12197-1909
Document Number	0000003701
Instrument Date	Jul 13, 2017
Instrument	3701
Transaction Type	Transfer
Record Updated	Aug 29, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 MILL ST WORCESTER NY 121971909, WORCESTER, NY 12197-1909

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,739.00	$49,500 (-) Land $9,400 Building $40,100	$120,438 (+11.92%) Land $22,871 Building $97,567
2023		$49,500 Land $9,400 Building $40,100	$107,609 Land $20,435 Building $87,174

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 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	5 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.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WORCESTER WD #2 - WORCESTER serves 656 people · EPA ID NY3800160
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter resolved · Jan 2015
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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