66 River St, Otego, NY 13825 Property Records

Otsego County and Otego Town property record for 66 River St, Otego, NY 13825

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 3,288 sqft · built 1900
Lot Size	2.17 acres (94,525 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Aug 2007)
Tax Bill	$4,735 (2026)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`364801 317.20-1-48.02`

Property Details

APN / Parcel Number

Primary APN	`364801 317.20-1-48.02`
Alternative APNs	`480131702000010480020000` `233490`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,288 sqft Total Area
1st Floor Area	1,860 sqft
2nd Floor Area	1,300 sqft
Upper Floors Area	128 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1990
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	94,525 sqft (2.17 acres)
Porch	Slab
Porch Area	285 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	233490
Street Address	66 RIVER ST
City	OTEGO
State	NY
Zip	13825-3134
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	997 0 0
Legal Block	1
Legal Lot Number	48.002
Jurisdiction	OTSEGO NY
Township / Civil Division	OTEGO
Census Block Group	3
Census Block	3020
Census Tract	591401

Owner

66 River St, a triplex, is owned by two individuals who bought it in August 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	66 RIVER ST, 3, OTEGO, NY 13825-3135
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2007 · Amount on File
Deed Sale	Aug 17, 2007 · Amount on File
Prior Sale	Aug 14, 2007 · Amount on File
Deed Book / Page	1106 / 1005
Record Updated	Oct 29, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO NY
Recording Date	Jul 31, 2019
Property Address	66 RIVER ST, OTEGO, NY 13825-3134
Document Number	0000003399
Instrument Date	Jul 3, 2019
Instrument	3399
Transaction Type	Transfer
Record Updated	Aug 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$527.66
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	14 AVERILL ST OTEGO NY 138257700, OTEGO, NY 13825-7700

Mortgage

Document Number	3400
Date	Jul 31, 2019
Instrument	3400

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 66 River St was $4,735, up 1.6% from the year before.

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,735.00 (+1.63%)
2025	$4,659.00	$159,600 Land $32,300 Building $127,300	$210,000 Land $42,500 Building $167,500
2023		$159,600 Land $32,300 Building $127,300	$171,613 Land $34,731 Building $136,882

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

Flood

FEMA maps place 66 River St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 20, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

Wildfire risk around 66 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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