Worcester, NY 12197 · Otsego County

This two-bedroom, one-bath home on 0.37 acres sits on Mill Street in Worcester, a village in Otsego County within the Worcester Central school district. The layout spans two stories with a living room, dining area, and family room on the main floor, plus an enclosed porch, full bath, and laundry space. Upstairs are two bedrooms, while a partial basement offers additional laundry capability. Flooring includes carpet, vinyl, and wood throughout, with forced-air heat and ceiling fans. Outside, a heated two-car detached garage with workshop space, large storage shed, and fenced yard complement the blacktop driveway. Cobleskill is 19 minutes away, Oneonta 23 minutes, Cooperstown 31 minutes, and Albany under an hour. No HOA fees apply.
$5,000 price improvement Small-town life gets easy at 11 Mill Street, a two-story home set on a 0.37-acre lot in the village of Worcester, just moments from the local K-12 school. It's a practical setup for a primary residence or a quiet countryside base, with room to spread out both inside and out. The main floor flows through a living room, dining area, and family room, along with an enclosed porch that's ready for morning coffee or slow afternoons. Also on the first floor, you'll find a full bathroom and a dedicated laundry area, with a second laundry setup in the partial basement below. Upstairs, you will find two spacious bedrooms tucked away for optimal rest and quietude. The interior features practical finishes, including a mix of vinyl, wall-to-wall carpeting, and classic wood flooring underfoot, with ceiling fans ensuring comfort throughout the seasons. Outside, a blacktop driveway leads to a heated 2-car detached garage with dedicated shop space for hobbies or storage. The partially fenced yard gives pets or gatherings a secure spot to enjoy, while a large storage shed and an open shed behind the garage handle the rest of your seasonal gear. Set in Otsego County, the home keeps you close to the area's hubs: 19 minutes to Cobleskill, 23 minutes to Oneonta, 31 minutes to Cooperstown, and under an hour to Albany. This is village living made simple: Morning coffee on the porch, weekend builds in the garage and everything Otsego County has to offer close at hand.
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The district this address is assigned to. Ratings and reviews are hosted on GreatSchools.
Assigned districts can change and are not guaranteed. Confirm enrollment boundaries with the district directly before relying on them.
Worcester is in Otsego County, NY. There are currently 11 active listings here, ranging from $69,000 to $549,000. Listings in this address fall under the Worcester school district. Priced 5% below the Worcester median of $189,900.
See Sharon's Worcester community guideSharon represents buyers for this property. Your tour, offer, and inquiries go through her, not the listing brokerage.
Charlotteville Realty LLC · Listed by Kevin Lucero (33518)
Contact: 607-282-6242
MLS #202622592 · Source: Global MLS, Inc.
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Every change captured by Global MLS since this listing went live.
Public assessment record for the Worcester roll · Worcester school district · One Family Year-Round Residence
| Year | Assessed value | Full market value | Change |
|---|---|---|---|
| 2025 | $52,000 | $126,521 | +6.1% |
| 2024 | $52,000 | $119,266 | +5.5% |
| 2023 | $52,000 | $113,043 | +10.9% |
| 2022 | $52,000 | $101,961 | +11.8% |
| 2021 | $52,000 | $91,228 |
Assessed and full market values come from the local assessor and lag the market; the tax bill is the assessed value times the town, county and school rates, which the seller’s disclosure will show. STAR and other exemptions are not reflected here.
Real numbers from current MLS data. Not a third-party estimate.
FEMA Zone A: high flood risk
Inside the 1% annual-chance floodplain (Special Flood Hazard Area). Lenders generally require flood insurance on a mortgaged home here; ask for the elevation certificate.
See the official FEMA flood map for this pointSource: FEMA National Flood Hazard Layer, checked 2026-09-07. Zones are drawn by FEMA and can change; an elevation certificate governs insurance.