Otsego County and Cherry Valley Town property record for 105 Graves Rd, Cherry Valley, NY 13320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,816 sqft · built 1995 |
| Lot Size | 1.18 acres (51,401 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Sep 2026) |
| Tax Bill | $3,835 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Sep 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 362489 57.00-1-14.02 |
| Primary APN | 362489 57.00-1-14.02 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,816 sqft Living Area |
| 1st Floor Area | 1,816 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Modular |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 51,401 sqft (1.18 acres) |
| Garage Type | Attached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 624 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 225484 |
|---|---|
| Street Address | 105 GRAVES RD |
| City | CHERRY VALLEY |
| State | NY |
| Zip | 13320-3040 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 988 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 14.002 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | CHERRY VALLEY |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 590101 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lindesay Patent Rural Historic District (Boundary Increase) listed 1995 · 331 contributing resources · NRIS 95001024 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
105 Graves Rd is owned by two individuals who bought it in September 2026.
Source: Otsego County and Cherry Valley Town records, as of October 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 207 FISH AND GAME RD, CHERRY VALLEY, NY 13320-3037 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Sep 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BANK NATIONAL ASSOCIATION |
| Sep 16, 2026 | Warranty Deed, Transfer · Conventional Mortgage BANK NATIONAL ASSOCIATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2026 · Amount on File |
| Deed Sale | Sep 16, 2026 · Amount on File |
| Deed Document Number | 20264166 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Sep 16, 2026 |
| Property Address | 105 GRAVES RD, CHERRY VALLEY, NY 13320-3040 |
| Document Number | 0000004167 |
| Instrument Date | Sep 3, 2026 |
| Instrument | 20264167 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2026 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 171 |
| Address | 105 GRAVES RD, CHERRY VALLEY, NY 13320-3040 |
| Document Number | 0000004167, |
|---|---|
| Date | Sep 16, 2026 |
| Instrument | 20264167 |
| Name | BANK NATIONAL ASSOCIATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Sep 16, 2026 |
| Property Address | 105 GRAVES RD, CHERRY VALLEY, NY 13320-3040 |
| Document Number | 0000004166 |
| Instrument Date | Sep 3, 2026 |
| Instrument | 20264166 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 207 FISH AND GAME RD, CHERRY VALLEY, NY 13320-3037 |
| Date | Sep 16, 2026 |
|---|
| Name | BANK NATIONAL ASSOCIATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
The 2026 property tax bill for 105 Graves Rd was $3,835, down 7.1% 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 |
| Unified School District | Cherry Valley-Springfield Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,835.00 (-7.05%) | ||
| 2025 | $4,126.00 | $140,700 Land $24,300 Building $116,400 | $201,000 Land $34,714 Building $166,286 |
| 2023 | $140,700 Land $24,300 Building $116,400 | $169,845 Land $29,334 Building $140,511 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 Graves Rd 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 105 Graves Rd 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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