Otsego County and Unadilla Town property record for 985 Co Hwy 1, Mount Upton, NY 13809
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 1,500 sqft · built 1900 |
| Lot Size | 72.3 acres (3,151,130 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $19,914 (2026) |
| Deeds & Mortgages | Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 366289 320.00-1-26.00 |
| Primary APN | 366289 320.00-1-26.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| Upper Floors Area | 500 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Cape Cod |
| Lot Area | 3,151,130 sqft (72.3 acres) |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 376 sqft |
| Shed | 1 Shed |
| Shed Area | 126 sqft |
| Total Buildings | 3 Buildings |
| Sewer | Septic |
|---|---|
| Water Source | Well |
| Account Number | 029000 |
|---|---|
| Street Address | 985 COUNTY HIGHWAY 1 |
| City | MOUNT UPTON |
| State | NY |
| Zip | 13809-2132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 945 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 26.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | UNADILLA |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 591602 |
985 Co Hwy 1, a rural home, is owned by two individuals.
Source: Otsego County and Unadilla Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 893 COUNTY HIGHWAY 1, MOUNT UPTON, NY 13809-2133 |
| 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 |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 985 COUNTY HIGHWAY 1, MOUNT UPTON, NY 13809-2132 |
| Document Number | 0000003960 |
| Instrument Date | Aug 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2019 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 893 COUNTY HIGHWAY 1 MOUNT UPTON NY 138092133, MOUNT UPTON, NY 13809-2133 |
| Document Number | 0000003960 |
|---|---|
| Date | Sep 5, 2019 |
| Instrument | 3960 |
| Name | NBT BK |
|---|---|
| Type | Bank |
| Address | NORWICH, NY 13815 |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 985 Co Hwy 1 was $19,914, up 0.6% from the year before.
Source: Otsego County and Unadilla Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Unadilla Town |
| Unified School District | Gilbertsville-Mount Upton Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $19,914.00 (+0.61%) | ||
| 2025 | $19,794.00 | $553,700 Land $30,300 Building $523,400 | $1,350,488 Land $73,902 Building $1,276,586 |
| 2023 | $553,700 Land $30,300 Building $523,400 | $1,178,085 Land $64,468 Building $1,113,617 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 985 Co Hwy 1 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 |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 2 (2006–2011) |
| 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 985 Co Hwy 1 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 | 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: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Frontier DSL | 115 / 7 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures