Otsego County and Otego Town property record for 72 Willow St, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,769 sqft · built 1980 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,000 (Aug 1996) |
| Tax Bill | $6,633 (2026) |
| Deeds & Mortgages | May 2021 Line of Credit Aug 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 364801 317.15-2-38.00 |
| Primary APN | 364801 317.15-2-38.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,769 sqft Living Area |
| 1st Floor Area | 1,846 sqft |
| Basement Area | 923 sqft |
| Finished Basement | 923 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood |
| Lot Area | 22,216 sqft (0.51 acres) |
| Lot Width | 125 ft Width |
| Garage Type | Basement |
| Porch | Slab |
|---|---|
| Porch Area | 600 sqft |
| Patio Area | 63 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 196279 |
|---|---|
| Street Address | 72 WILLOW ST |
| City | OTEGO |
| State | NY |
| Zip | 13825-2137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 996FILED MAP # 1567 0 0 |
| Legal Block | 2 |
| Legal Lot Number | 38.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 591401 |
72 Willow St is owned and occupied by two individuals who acquired it in December 2024.
Source: Otsego County and Otego Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 300 MAIN ST, 1, ONEONTA, NY 13820-2500 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 10, 2021 | Deed of Trust, Mortgage · Line of Credit SIDNEY FEDERAL CREDIT UNION |
| Aug 11, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 1996 · Amount on File |
| Deed Sale | Aug 1, 1996 · Amount on File |
| Deed Book / Page | 788 / 446 |
| Last Transfer Date | Dec 12, 2024 |
| Transfer Doc | 0000000016 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 72 WILLOW ST, OTEGO, NY 13825-2137 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000000592 |
|---|---|
| Date | May 10, 2021 |
| Instrument | 2021-2592 |
| Name | SIDNEY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2041 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 11, 2025 |
| Property Address | 72 WILLOW ST, OTEGO, NY 13825-2137 |
| Document Number | 0000000016 |
| Instrument Date | Dec 12, 2024 |
| Instrument | 2025-3016 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 300 MAIN ST # 1, 1, ONEONTA, NY 13820-2500 |
The 2026 property tax bill for 72 Willow St was $6,633 with a homeowner's exemption, up 9.4% 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 | $6,633.00 (+9.38%) Homeowner's exemption | ||
| 2025 | $6,064.00 | $228,000 Land $25,100 Building $202,900 | $300,000 Land $33,026 Building $266,974 |
| 2023 | $228,000 Land $25,100 Building $202,900 | $245,161 Land $26,989 Building $218,172 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 72 Willow St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2006.
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 |
|---|---|
| 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 72 Willow 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 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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