Otsego County and Otego Town property record for 82 River St, Otego, NY 13825
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,012 sqft · built 1970 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Jun 2022) |
| Tax Bill | $3,105 (2026) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 364801 317.20-1-52.00 |
| Primary APN | 364801 317.20-1-52.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,012 sqft Living Area |
| 1st Floor Area | 712 sqft |
| Upper Floors Area | 300 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 150 ft deep x 92 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 438 sqft |
| Shed | 1 Shed |
| Canopy | 128 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 000510 |
|---|---|
| Street Address | 82 RIVER ST |
| City | OTEGO |
| State | NY |
| Zip | 13825-3103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 992 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 52.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | OTEGO |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 591401 |
82 River St is owned and occupied by an individual who bought it in June 2022.
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 | Individual Name on File |
|---|---|
| Mailing Address | 82 RIVER ST, OTEGO, NY 13825-3103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2022 · Amount on File |
| Deed Sale | Jun 14, 2022 · Amount on File |
| Prior Sale | Nov 13, 2015 · Amount on File |
| Deed Document Number | 20223270 |
| Prior Transfer Date | Aug 26, 2015 |
| Prior Transfer Doc | 2015005662 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jun 14, 2022 |
| Property Address | 82 RIVER ST, OTEGO, NY 13825-3103 |
| Document Number | 0000000270 |
| Instrument Date | Jun 13, 2022 |
| Instrument | 2022-3270 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 66 RIVER ST, OTEGO, NY 13825-3134 |
| Document Number | 0000000271 |
|---|---|
| Date | Jun 14, 2022 |
| Instrument | 2022-3271 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.3% |
| Type Change Date | Jul 1, 2027 |
| Max Rate At Change | 2% |
| Index | 5-Year CMT |
| Margin | 2 |
The 2026 property tax bill for 82 River St was $3,105, up 1.5% 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 | $3,105.00 (+1.5%) | ||
| 2025 | $3,059.00 | $106,000 Land $23,000 Building $83,000 | $139,474 Land $30,263 Building $109,211 |
| 2023 | $106,000 Land $23,000 Building $83,000 | $113,978 Land $24,731 Building $89,247 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 82 River St in Zone AE, a high-risk flood area within the regulatory floodway; 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 | Yes |
| 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 risk around 82 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 | 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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Delhi Telephone Company.
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