113 Neff Ln, Bainbridge, NY 13733 Property Records

Chenango County and Bainbridge Town property record for 113 Neff Ln, Bainbridge, NY 13733

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 912 sqft · built 1978
Lot Size	1.74 acres (75,794 sqft)
Owner	Individual Name on File
Last Sale	$95,400 (May 2009)
Tax Bill	$3,316 (2026)
Deeds & Mortgages	Nov 2023 Refinance Apr 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082289 276.-1-21`

Property Details

APN / Parcel Number

Primary APN	`082289 276.-1-21`
Alternative APNs	`228927600000010210000000` `0211008`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	684 sqft
Upper Floors Area	228 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Lot Area	75,794 sqft (1.74 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0211008
Street Address	113 NEFF LN
City	BAINBRIDGE
State	NY
Zip	13733-3419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Block	1
Legal Lot Number	21.000
Jurisdiction	CHENANGO NY
Township / Civil Division	BAINBRIDGE
Census Block Group	4
Census Block	4076
Census Tract	970801

Owner

113 Neff Ln is owned and occupied by an individual who bought it in May 2009.

Source: Chenango County and Bainbridge Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	113 NEFF LN, BAINBRIDGE, NY 13733-3419
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BAINBRIDGE VILLAGE OF
Apr 29, 2019	Loan Modification, Mortgage · FHA Mortgage MR COOPER
Apr 29, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2009 · Amount on File
Deed Sale	May 28, 2009 · Amount on File
Prior Sale	Mar 14, 2008 · Amount on File
Deed Book / Page	2009 / 812
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHENANGO NY
Property Address	113 NEFF LN, BAINBRIDGE, NY 13733-3419
Transaction Type	Mortgage
Record Updated	Nov 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023000001832
Date	Nov 9, 2023
Instrument	20230-00001832

Lender

Name	BAINBRIDGE VILLAGE OF

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHENANGO NY
Property Address	113 NEFF LN, BAINBRIDGE, NY 13733-3419
Document Number	0000001133
Instrument Date	Apr 29, 2019
Transaction Type	Mortgage
Record Updated	Jul 26, 2019
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 NEFF LN BAINBRIDGE NY 137333419, BAINBRIDGE, NY 13733-3419

Mortgage

Document Number	0000001133
Date	Jul 1, 2019
Instrument	1133

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 30, 2049

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHENANGO NY
Property Address	113 NEFF LN, BAINBRIDGE, NY 13733-3419
Document Number	0000001201
Instrument Date	Apr 29, 2019
Transaction Type	Mortgage
Record Updated	Jul 31, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 NEFF LN BAINBRIDGE NY 137333419, BAINBRIDGE, NY 13733-3419

Mortgage

Document Number	0000001201
Date	Jul 10, 2019
Instrument	1201

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 113 Neff Ln was $3,316 with a homeowner's exemption, up 19.5% from the year before.

Source: Chenango County and Bainbridge Town assessment roll, as of May 12, 2026

Property Jurisdictions

Type	Name
State	New York
County	Chenango County
County Subdivision	Bainbridge Town
Unified School District	Bainbridge-Guilford Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,316.00 (+19.5%) Homeowner's exemption
2025	$2,775.00	$83,000 Land $17,300 Building $65,700	$122,059 Land $25,441 Building $96,618
2023		$83,000 Land $17,300 Building $65,700	$103,750 Land $21,625 Building $82,125

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

Flood

FEMA maps place 113 Neff Ln in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	22 (1994–2011)
Claims Outside the SFHA	7 of 22
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 13 claims Severe Storms And Flooding, Jun 2006 · 8 claims

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 113 Neff Ln 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Delhi Telephone Company, T-Mobile, Verizon.

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