Otsego County and Otego Town property record for 81 Willow St, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,528 sqft · built 1972 |
| Lot Size | 4.13 acres (179,903 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Sep 1999) |
| Tax Bill | $7,938 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 364889 317.00-1-35.01 |
| Primary APN | 364889 317.00-1-35.01 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,528 sqft Living Area |
| 1st Floor Area | 1,428 sqft |
| Basement Area | 1,100 sqft |
| Finished Basement | 1,100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Raised Ranch |
| Exterior Material | Composition/Composite |
| Lot Area | 179,903 sqft (4.13 acres) |
| Garage Type | Mixed |
| Garage Area | 1,800 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Slab |
| Porch Area | 374 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Wood |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 062195 |
|---|---|
| Street Address | 81 WILLOW ST |
| City | OTEGO |
| State | NY |
| Zip | 13825-2155 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 997 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 35.001 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 591401 |
81 Willow St is owned and occupied by two individuals who bought it in September 1999.
Source: Otsego County and Otego Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 81 WILLOW ST, OTEGO, NY 13825-2155 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 27, 1999 · Amount on File |
| Deed Sale | Sep 27, 1999 · Amount on File |
| Deed Book / Page | 878 / 19 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 81 Willow St was $7,938 with a homeowner's exemption, up 8% 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 |
| Unified School District | Otego-Unadilla Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,938.00 (+7.99%) Homeowner's exemption | ||
| 2025 | $7,351.00 | $290,000 Land $34,200 Building $255,800 | $381,579 Land $45,000 Building $336,579 |
| 2023 | $290,000 Land $34,200 Building $255,800 | $311,828 Land $36,774 Building $275,054 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 81 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 81 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: 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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