Otsego County and Unadilla Town property record for 649 Co Hwy 2, Mount Upton, NY 13809 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,200 sqft · built 1890 |
| Lot Size | 19.3 acres (842,886 sqft) |
| Owner | Individual Name on File |
| Last Sale | $168,888 (Feb 2022) |
| Tax Bill | $4,958 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Oct 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 366289 328.00-1-41.00 |
| Primary APN | 366289 328.00-1-41.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 2,200 sqft Living Area |
| 1st Floor Area | 1,240 sqft |
| 2nd Floor Area | 680 sqft |
| Attic | Attic |
| Attic Area | 280 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Lot Area | 842,886 sqft (19.3 acres) |
| Garage Type | Detached |
| Garage Area | 1,512 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 104 sqft |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 031850 |
|---|---|
| Street Address | 649 COUNTY HIGHWAY 2 |
| City | MOUNT UPTON |
| State | NY |
| Zip | 13809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 41.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | UNADILLA |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 591602 |
Source: Otsego County and Unadilla Town records · APN 366289 328.00-1-41.00
Assessment roll updated April 30, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2727 PITTSBURG ANTIOCH HWY, ANTIOCH, CA 94509-1393 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 10, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA |
| Oct 09, 2019 | Grant Deed, Transfer · Conventional with PMI COMMUNITY BK NA |
| Oct 04, 2019 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 10, 2022 · Amount on Record |
| Deed Sale | Feb 10, 2022 · Amount on Record |
| Prior Sale | Oct 09, 2019 · Amount on Record |
| Deed Document Number | 2022809 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Feb 10, 2022 |
| Property Address | 649 COUNTY HIGHWAY 2, MOUNT UPTON, NY 13809-2115 |
| Document Number | 0000000009 |
| Instrument Date | Jan 31, 2022 |
| Instrument | 2022-809 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2727 PITTSBURG ANTIOCH HWY, ANTIOCH, CA 94509-1393 |
| Document Number | 0000000010 |
|---|---|
| Date | Feb 10, 2022 |
| Instrument | 2022-810 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Oct 09, 2019 |
| Property Address | 649 COUNTY HIGHWAY 2, UNADILLA, NY 13849-2131 |
| Document Number | 0000004587 |
| Instrument Date | Oct 04, 2019 |
| Instrument | 4587 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $412.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 588 STATE HIGHWAY 51 GILBERTSVILLE NY 137761115, GILBERTSVILLE, NY 13776-1115 |
| Document Number | 4588 |
|---|---|
| Date | Oct 09, 2019 |
| Instrument | 4588 |
| Name | COMMUNITY BK NA |
|---|---|
| Address | OLEAN, NY 14760 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 08, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 649 COUNTY HIGHWAY 2, UNADILLA, NY 13849-2131 |
| Document Number | 0000004588 |
| Instrument Date | Oct 04, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 588 STATE HIGHWAY 51 GILBERTSVILLE NY 137761115, GILBERTSVILLE, NY 13776-1115 |
| Document Number | 0000004588 |
|---|---|
| Date | Oct 09, 2019 |
| Instrument | 4588 |
| Name | COMMUNITY BK NA |
|---|---|
| Address | OLEAN, NY 14760 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 08, 2049 |
Source: Otsego County and Unadilla Town records · Assessment roll updated April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Unadilla Town |
| Unified School District | Otego-Unadilla Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,958.00 | $104,500 (-) Land $2,800 Building $101,700 | $254,878 (+14.63%) Land $6,829 Building $248,049 |
| 2023 | $104,500 Land $2,800 Building $101,700 | $222,340 Land $5,957 Building $216,383 |
Source: FEMA National Flood Hazard Layer, Otsego County (36077C), updated March 20, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360775916021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearby Flood Claims | 2 (2006–2011) |
| Most Recent Claim | Sep 2011, rainfall accumulation, Remnants Of Tropical Storm Lee |
| Nearby Flood Policies | 6 in force 1 of 6 on primary residences |
| Flood Insurance Cost | Premium on Record median of 6 individual NFIP policies nearby |
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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