Otsego County and Cherry Valley Town property record for 1 Main St, Cherry Valley, NY 13320
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 9,630 sqft · built 1900 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Company Name on File |
| Last Sale | $35,000 (Aug 2022) |
| Tax Bill | $8,972 (2026) |
| Deeds & Mortgages | Jul 2023 Construction Loan Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 362401 58.14-1-5.00 |
| Primary APN | 362401 58.14-1-5.00 |
|---|---|
| Alternative APNs |
|
| Stories | 3 Stories |
|---|---|
| Building Area | 9,630 sqft Gross Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Width | 41 ft Width |
| Sewer | Septic |
|---|---|
| Water Source | Commercial |
| Account Number | 026520 |
|---|---|
| Street Address | 1 MAIN ST |
| City | CHERRY VALLEY |
| State | NY |
| Zip | 13320-3738 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Legal Description | 003 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 5.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | CHERRY VALLEY |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 590101 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Cherry Valley Village Historic District listed 1988 · 232 contributing resources · NRIS 88000472 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
1 Main St, a residential property, is owned by a company that bought it in August 2022.
Source: Otsego County and Cherry Valley Town records, as of October 1, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 1439, RICHFIELD SPRINGS, NY 13439-1439 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 18, 2023 | Deed of Trust, Mortgage · Construction Mortgage NBT BANK NATIONAL ASSOCIATION |
| Aug 3, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage JOHN MCCRUDEN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 3, 2022 · Amount on File |
| Deed Sale | Aug 3, 2022 · Amount on File |
| Deed Document Number | 20222022-4261 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 1 MAIN ST, CHERRY VALLEY, NY 13320-3727 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000000850 |
|---|---|
| Date | Jul 18, 2023 |
| Instrument | 2023-2850 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 3, 2022 |
| Property Address | 1 MAIN ST, CHERRY VALLEY, NY 13320-3727 |
| Document Number | 0000000261 |
| Instrument Date | Jul 28, 2022 |
| Instrument | 2022-4261 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 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 | PO BOX 1439, RICHFIELD SPRINGS, NY 13439-1439 |
| Document Number | 0000000262 |
|---|---|
| Date | Aug 3, 2022 |
| Instrument | 2022-4262 |
| Name | JOHN MCCRUDEN |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 1 Main St was $8,972, up 12.6% from the year before.
Source: Otsego County and Cherry Valley Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Cherry Valley Town |
| Municipality | Cherry Valley Village |
| Unified School District | Cherry Valley-Springfield Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,972.00 (+12.61%) | ||
| 2025 | $7,967.00 | $284,850 Land $11,000 Building $273,850 | $406,929 Land $15,714 Building $391,215 |
| 2023 | $200,000 Land $11,000 Building $189,000 | $241,429 Land $13,279 Building $228,150 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 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 risk around 1 Main 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 | 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHERRY VALLEY VILLAGE serves 620 people · EPA ID NY3800144 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2022 |
| Lead | 4 ppb (2020–2022) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 125 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 |
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