Chemung County and Horseheads Town property record for 103 Ryan Cir, Horseheads, NY 14845
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 999 sqft · built 1960 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,343 (2026) |
| Deeds & Mortgages | Oct 2019 Refinance |
| APN | 073401 58.08-1-23 |
| Primary APN | 073401 58.08-1-23 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 999 sqft Living Area |
| 1st Floor Area | 999 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 129 ft deep x 44 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Pool Area | 350 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 384 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 15515045 |
|---|---|
| Street Address | 103 RYAN CIR |
| City | HORSEHEADS |
| State | NY |
| Zip | 14845-1911 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VH02 |
| Legal Description | WINDSOR GARD SEC 10C LOT 623 |
| Legal Block | 1 |
| Legal Lot Number | 23.000 |
| Jurisdiction | CHEMUNG NY |
| Township / Civil Division | HORSEHEADS |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 10400 |
103 Ryan Cir is owned and occupied by two individuals.
Source: Chemung County and Horseheads Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 RYAN CIR, HORSEHEADS, NY 14845-1911 |
| Occupancy | Owner Occupied |
| 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 | CHEMUNG NY |
| Property Address | 103 RYAN CIR, HORSEHEADS, NY 14845-1911 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201922458 |
|---|---|
| Date | Oct 25, 2019 |
| Instrument | 201922458 |
| Name | ELMIRA SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 103 Ryan Cir was $4,343 with exemptions applied, up 40.7% from the year before.
Source: Chemung County and Horseheads Town assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Chemung County |
| County Subdivision | Horseheads Town |
| Municipality | Horseheads Village |
| Unified School District | Horseheads Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,343.00 (+40.73%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $3,086.00 | $134,200 Land $23,300 Building $110,900 | $152,500 Land $26,477 Building $126,023 |
| 2023 | $134,200 Land $23,300 Building $110,900 | $135,556 Land $23,535 Building $112,021 | |
| 2020 | $913.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 103 Ryan Cir; 4 flood insurance policies are in force nearby.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 4 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 103 Ryan Cir 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 | None beyond ember reach |
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 | HORSEHEADS VILLAGE serves 15,000 people · EPA ID NY0701009 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Nov 2025 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | Treatment failure resolved · Oct 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 58 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.
Source: FCC Broadband Data Collection, based on 444 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Empire Long Distance Fiber | 1,000 / 100 |
| Xtreme5G Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures