Otsego County and Otego Town property record for 51 River St, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,634 sqft · built 1890 |
| Lot Size | 0.99 acres (43,124 sqft) |
| Owner | Individual Name on File |
| Last Sale | $63,000 (Oct 2013) |
| Tax Bill | $4,427 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 364801 317.20-1-21.00 |
| Primary APN | 364801 317.20-1-21.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,634 sqft Living Area |
| 1st Floor Area | 952 sqft |
| 2nd Floor Area | 682 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 43,124 sqft (0.99 acres) |
| Lot Width | 82 ft Width |
| Garage Type | Detached |
| Garage Area | 816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 150 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 003315 |
|---|---|
| Street Address | 51 RIVER ST |
| City | OTEGO |
| State | NY |
| Zip | 13825-3103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 999 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 21.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 591401 |
51 River St is owned and occupied by an individual who bought it in October 2013.
Source: Otsego County and Otego Town records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 101, OTEGO, NY 13825-0101 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2013 · Amount on File |
| Deed Sale | Oct 7, 2013 · Amount on File |
| Deed Book / Page | 2013 / 5572 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 51 River St was $4,427 with a homeowner's exemption, down 8.9% from the year before.
Source: Otsego County and Otego Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Otego Town |
| Municipality | Otego Village |
| Unified School District | Otego-Unadilla Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,427.00 (-8.87%) Homeowner's exemption | ||
| 2025 | $4,858.00 | $135,000 Land $29,900 Building $105,100 | $177,632 Land $39,342 Building $138,290 |
| 2023 | $135,000 Land $29,900 Building $105,100 | $145,161 Land $32,150 Building $113,011 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 51 River St 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 2 (2006–2011) |
| Claims Outside the SFHA | 2 of 2 |
| 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 risk around 51 River St 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OTEGO VILLAGE serves 1,010 people · EPA ID NY3800155 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2021 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 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.
Source: FCC Broadband Data Collection, based on 179 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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