Chenango County and Norwich City property record for 12 Chenango Ave, Norwich, NY 13815
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,397 sqft · built 1910 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $35,000 (May 2006) |
| Tax Bill | $2,130 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Jul 2022 Refinance + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 081100 136.8-3-12 |
| Primary APN | 081100 136.8-3-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,397 sqft Living Area |
| 1st Floor Area | 806 sqft |
| 2nd Floor Area | 448 sqft |
| Upper Floors Area | 143 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 132 ft deep x 49.5 ft wide |
| Porch | Slab |
| Porch Area | 131 sqft |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0170015 |
|---|---|
| Street Address | 12 CHENANGO AVE |
| City | NORWICH |
| State | NY |
| Zip | 13815-1704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | REF DEED B602 P926 |
| Legal Block | 3 |
| Legal Lot Number | 12.000 |
| Jurisdiction | CHENANGO NY |
| Township / Civil Division | NORWICH |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 970300 |
12 Chenango Ave is owned and occupied by an individual who bought it in May 2006.
Source: Chenango County and Norwich City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12 CHENANGO AVE, NORWICH, NY 13815-1704 |
| 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.
| Date | Document |
|---|---|
| Apr 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NBH BANK NATIONAL ASSOCIATION |
| Jul 21, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance SIDNEY FEDERAL CREDIT UNION |
| Dec 17, 2019 | Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BK |
| Dec 17, 2019 | Warranty Deed, Transfer · VA Mortgage WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2006 · Amount on File |
| Deed Sale | May 11, 2006 · Amount on File |
| Deed Book / Page | 20060 / 942 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHENANGO NY |
| Recording Date | Apr 15, 2026 |
| Property Address | 12 CHENANGO AVE, NORWICH, NY 13815-1704 |
| Document Number | 202600000646 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 2026646 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 12 CHENANGO AVE, NORWICH, NY 13815-1704 |
| Document Number | 0000000646, |
|---|---|
| Date | Apr 15, 2026 |
| Instrument | 2026646 |
| Name | NBH BANK NATIONAL ASSOCIATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHENANGO NY |
| Property Address | 12 CHENANGO AVE, NORWICH, NY 13815-1704 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2022000001602 |
|---|---|
| Date | Jul 21, 2022 |
| Instrument | 20220-00001602 |
| Name | SIDNEY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHENANGO NY |
| Property Address | 12 CHENANGO AVE, NORWICH, NY 13815-1704 |
| Document Number | 0000002275 |
| Instrument Date | Dec 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 36 PARK ST NORWICH NY 138151527, NORWICH, NY 13815-1527 |
| Document Number | 0000002275 |
|---|---|
| Date | Dec 17, 2019 |
| Instrument | 2275 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 16, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHENANGO NY |
| Recording Date | Dec 17, 2019 |
| Property Address | 12 CHENANGO AVE, NORWICH, NY 13815-1704 |
| Document Number | 0000001974 |
| Instrument Date | Dec 6, 2019 |
| Instrument | 1974 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $254.40 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 36 PARK ST NORWICH NY 138151527, NORWICH, NY 13815-1527 |
| Document Number | 2275 |
|---|---|
| Date | Dec 17, 2019 |
| Instrument | 2275 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 16, 2049 |
The 2026 property tax bill for 12 Chenango Ave was $2,130, up 0.5% from the year before.
Source: Chenango County and Norwich City assessment roll, as of May 12, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Chenango County |
| Municipality | Norwich City |
| Unified School District | Norwich City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,130.00 (+0.47%) | ||
| 2025 | $2,120.00 | $26,200 Land $7,200 Building $19,000 | $56,957 Land $15,652 Building $41,305 |
| 2023 | $26,200 Land $7,200 Building $19,000 | $51,373 Land $14,118 Building $37,255 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Chenango Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 25 policies |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 54 (1978–2019) |
| Claims Outside the SFHA | 3 of 54 |
| Most Recent Claim | Nov 2019 · Severe Storms, Straight-line Winds, And Flooding |
| Claims by Event |
|
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 12 Chenango Ave 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORWICH CITY serves 8,000 people · EPA ID NY0801745 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2023–2025) 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.
Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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