Otsego County and Otego Town property record for 77 Main St, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,852 sqft · built 1946 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $140,000 (Aug 2019) |
| Tax Bill | $4,742 (2026) |
| Deeds & Mortgages | Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 364801 325.06-1-11.00 |
| Primary APN | 364801 325.06-1-11.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,852 sqft Living Area |
| 1st Floor Area | 982 sqft |
| 2nd Floor Area | 870 sqft |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 18,295 sqft (0.42 acres) |
| Lot Dimensions | 210 ft deep x 92 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,136 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 360 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 035970 |
|---|---|
| Street Address | 77 MAIN ST |
| City | OTEGO |
| State | NY |
| Zip | 13825-1111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 987 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 11.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 591401 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 77 MAIN ST, OTEGO, NY 13825-1111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2019 · Amount on Record |
| Deed Sale | Aug 21, 2019 · Amount on Record |
| Deed Document Number | 20193758 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 77 MAIN ST, OTEGO, NY 13825-1111 |
| Document Number | 0000003759 |
| Instrument Date | Aug 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1343 SPEIGHT AVE WACO TX 767062182, WACO, TX 76706-2182 |
| Document Number | 0000003759 |
|---|---|
| Date | Aug 21, 2019 |
| Instrument | 3759 |
| Name | HOMESTEAD FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 20, 2049 |
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 | $4,742.00 (+1.43%) | ||
| 2025 | $4,675.00 | $162,600 (-) Land $24,100 Building $138,500 | $213,947 (+22.37%) Land $31,710 Building $182,237 |
| 2023 | $162,600 Land $24,100 Building $138,500 | $174,839 Land $25,914 Building $148,925 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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.
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 49 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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