1012 School St, Chatham, NY 12037 Property Records

Columbia County and Ghent Town property record for 1012 School St, Chatham, NY 12037

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,268 sqft · built 1920
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Sep 2025)
Tax Bill	$6,642 (2026)
Deeds & Mortgages	Sep 2025 Refinance Sep 2025 Sale & Mortgage
APN	`103801 66.9-2-22`

Property Details

APN / Parcel Number

Primary APN	`103801 66.9-2-22`
Alternative APN	`380106600900020220000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,268 sqft Total Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	54 ft deep x 186 ft wide
Porch	Enclosed Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1012 SCHOOL ST
City	CHATHAM
State	NY
Zip	12037
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	05 - COMME
Legal Block	2
Legal Lot Number	22.000
Jurisdiction	COLUMBIA NY
Township / Civil Division	GHENT
Census Block Group	3
Census Block	3003
Census Tract	700

Owner

1012 School St, a duplex, is owned by an individual who bought it in September 2025.

Source: Columbia County and Ghent Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1 COUNTRY POINTE LN, HUDSON, NY 12534-3393
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance HOMESTEAD FUNDING CORP
Sep 9, 2025	Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2025 · Amount on File
Deed Sale	Sep 9, 2025 · Amount on File
Deed Book / Page	1018 / 408
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA NY
Property Address	10 SCHOOL ST # 12, 12, CHATHAM, NY 12037-1119
Transaction Type	Mortgage
Record Updated	Oct 9, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008094
Date	Sep 9, 2025
Book Page	1018/430
Instrument	20250008094

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	COLUMBIA NY
Recording Date	Sep 9, 2025
Property Address	1012 SCHOOL ST, CHATHAM, NY 12037
Document Number	0000008092
Book / Page	1018 / 408
Instrument Date	Aug 28, 2025
Instrument	20250008092
Transaction Type	Transfer
Record Updated	Apr 17, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 COUNTRY POINTE LN, HUDSON, NY 12534-3393

Mortgage

Document Number	0000008093
Date	Sep 9, 2025
Instrument	20250008093

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 1012 School St was $6,642, up 1.9% from the year before.

Source: Columbia County and Ghent Town assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Columbia County
County Subdivision	Ghent Town
Municipality	Chatham Village
Unified School District	Chatham Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,642.00 (+1.9%)
2025	$6,518.00 (+6.33%)	$318,200 (-) Land $33,200 Building $285,000	$413,247 (+10.39%) Land $43,117 Building $370,130
2024	$6,130.00	$318,200 (-) Land $33,200 Building $285,000	$374,353 (+11.76%) Land $39,059 Building $335,294
2023		$318,200 Land $33,200 Building $285,000	$334,947 Land $34,947 Building $300,000

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

Flood

FEMA has no flood map on file for 1012 School St; there have been 4 flood claims nearby since 2000.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (2000–2009)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jul 2009 · river or lake flooding

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

Wildfire risk around 1012 School 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.

Drinking Water

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

Water System	CHATHAM VILLAGE serves 2,156 people · EPA ID NY1000234
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 285 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
Fidium Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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