9 Cook St, Worcester, NY 12197 Property Records

Otsego County and Worcester Town property record for 9 Cook St, Worcester, NY 12197

Property Summary

Property Type	Single Family Home
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,226 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`366600 199.18-1-50.00`

Property Details

APN / Parcel Number

Primary APN	`366600 199.18-1-50.00`
Alternative APNs	`660019901800010500000000` `480505002`

Exterior

Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	84 ft deep x 70 ft wide

Location & Zoning

Account Number	480505002
Street Address	9 COOK ST
City	WORCESTER
State	NY
Zip	12197
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RHD
Legal Block	1
Legal Lot Number	50.000
Jurisdiction	OTSEGO NY
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3015
Census Tract	590702

Owner

Source: Otsego County and Worcester 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	12 SOLAR BLF, WORCESTER, NY 12197
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage TOWN OF CHESTERFIELD
Sep 25, 2020	Deed of Trust, Mortgage COMMUNITY BK NA
Oct 1, 2020	Grant Deed, Transfer COMMUNITY BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Recording Date	Jul 30, 2026
Property Address	9 COOK ST, WORCESTER, NY 12197
Document Number	0000003414
Instrument Date	Jul 18, 2026
Instrument	20263414
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003414,
Date	Jul 30, 2026
Instrument	20263414

Lender

Name	TOWN OF CHESTERFIELD

Agreement

Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.47%
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	9 COOK ST, WORCESTER, NY 12197
Document Number	0000004244
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 SOLAR BLF WORCESTER NY 12197, WORCESTER, NY 12197

Mortgage

Document Number	0000004244
Date	Oct 1, 2020
Instrument	4244

Lender

Name	COMMUNITY BK NA
Address	OLEAN, NY 14760

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2050

Interest

Rate Type	Fixed Rate

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTSEGO NY
Recording Date	Oct 1, 2020
Property Address	9 COOK ST, WORCESTER, NY 12197
Document Number	0000004243
Instrument Date	Sep 18, 2020
Instrument	4243
Transaction Type	Transfer
Record Updated	Oct 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$554.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12 SOLAR BLF WORCESTER NY 12197, WORCESTER, NY 12197

Mortgage

Document Number	4244
Date	Oct 1, 2020
Instrument	4244

Lender

Name	COMMUNITY BK NA
Address	OLEAN, NY 14760

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
County Subdivision	Worcester Town
Unified School District	Worcester Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,226.00 (+0.4%)
2025	$3,213.00	$54,100 (-) Land $7,600 Building $46,500	$131,630 (+11.92%) Land $18,491 Building $113,139
2023		$54,100 Land $7,600 Building $46,500	$117,609 Land $16,522 Building $101,087

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

Flood

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
Nearby Flood Policies	5 in force

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WORCESTER WD #2 - WORCESTER serves 656 people · EPA ID NY3800160
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter resolved · Jan 2015
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 160 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

Cell Coverage

5G (outdoors only) and 4G LTE

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