Otsego County and Butternuts Town property record for 587 Co Hwy 18, Mount Upton, NY 13809
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,185 sqft · built 1900 |
| Lot Size | 2.72 acres (118,483 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $29,500 (Dec 2021) |
| Tax Bill | $2,264 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Dec 2021 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 362289 293.00-1-1.02 |
| Primary APN | 362289 293.00-1-1.02 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,185 sqft Living Area |
| 1st Floor Area | 886 sqft |
| Upper Floors Area | 299 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 118,483 sqft (2.72 acres) |
| Lot Width | 200 ft Width |
| Porch | Patio |
| Porch Area | 348 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 180692 |
|---|---|
| Street Address | 587 COUNTY HIGHWAY 18 |
| City | MOUNT UPTON |
| State | NY |
| Zip | 13809-4206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | 991 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 1.002 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | BUTTERNUTS |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 591500 |
587 Co Hwy 18 is owned and occupied by two individuals who bought it in December 2021.
Source: Otsego County and Butternuts Town records, as of October 15, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 587 COUNTY HIGHWAY 18, MOUNT UPTON, NY 13809-4206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 24, 2026 | Deed of Trust, Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 3, 2021 | Deed, Transfer |
| Oct 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA |
| Apr 29, 2021 | Executor's Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2021 · Amount on File |
| Deed Sale | Dec 3, 2021 · Amount on File |
| Prior Sale | Apr 29, 2021 · Amount on File |
| Deed Document Number | 20216763 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Sep 24, 2026 |
| Property Address | 587 COUNTY HIGHWAY 18, MOUNT UPTON, NY 13809-4206 |
| Document Number | 0000004276 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 20264276 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 587 COUNTY HIGHWAY 18, MOUNT UPTON, NY 13809-4206 |
| Document Number | 0000004276, |
|---|---|
| Date | Sep 24, 2026 |
| Instrument | 20264276 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Dec 3, 2021 |
| Property Address | 587 COUNTY HIGHWAY 18, MOUNT UPTON, NY 13809-4206 |
| Document Number | 0000000763 |
| Instrument Date | Nov 9, 2021 |
| Instrument | 2021-6763 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 587 COUNTY HIGHWAY 18, MOUNT UPTON, NY 13809-4206 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 587 COUNTY HIGHWAY 18, MOUNT UPTON, NY 13809-4206 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2021 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 681 |
|---|---|
| Date | Oct 13, 2021 |
| Instrument | 2021-5681 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2041 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Apr 29, 2021 |
| Property Address | 587 COUNTY HIGHWAY 18, MOUNT UPTON, NY 13809-4206 |
| Document Number | 364 |
| Instrument Date | Mar 26, 2021 |
| Instrument | 2021-2364 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 397 PARK PL # 4, 4, BROOKLYN, NY 11238-4001 |
| Document Number | 365 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 2021-2365 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 587 Co Hwy 18 was $2,264, up 2.2% from the year before.
Source: Otsego County and Butternuts Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Butternuts Town |
| Unified School District | Gilbertsville-Mount Upton Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,264.00 (+2.17%) | ||
| 2025 | $2,216.00 | $85,700 Land $15,600 Building $70,100 | $126,029 Land $22,941 Building $103,088 |
| 2023 | $85,700 Land $15,600 Building $70,100 | $109,311 Land $19,898 Building $89,413 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 587 Co Hwy 18 in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 4 (2000–2016) |
| Most Recent Claim | Jan 2016 · rainfall accumulation |
| Claims by Event |
|
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 587 Co Hwy 18 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: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Starlink Satellite | 280 / 30 |
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