12 Michael Rd, Binghamton, NY 13901 Property Records

Broome County and Chenango Town property record for 12 Michael Rd, Binghamton, NY 13901

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,420 sqft · built 1975
Lot Size	0.578 acres (25,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Oct 2022)
Tax Bill	$7,589 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Apr 2018 Mortgage
APN	`032400 078.14-1-40`

Property Details

APN / Parcel Number

Primary APN	`032400 078.14-1-40`
Alternative APNs	`240007801400010400000000` `24103800000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,420 sqft Living Area
1st Floor Area	1,364 sqft
Basement Area	1,056 sqft
Finished Basement	1,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	25,200 sqft (0.578 acres)
Lot Dimensions	140 ft deep x 180 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	308 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal
Water Source	Well

Location & Zoning

Account Number	24103800000
Street Address	12 MICHAEL RD
City	BINGHAMTON
State	NY
Zip	13901-5329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	004000000600A0080000
Legal Subdivision	KATHLEEN MANOR SUBDIVISION
Legal Block	1
Legal Lot Number	40.000
Jurisdiction	BROOME NY
Township / Civil Division	CHENANGO
Census Block Group	2
Census Block	2015
Census Tract	12101

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	12 MICHAEL RD, BINGHAMTON, NY 13901-5329
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP
Apr 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage UTILITY EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2022 · Amount on Record
Deed Sale	Oct 17, 2022 · Amount on Record
Prior Sale	Jun 23, 2016 · Amount on Record
Deed Document Number	202226607
Deed Book / Page	2705 / 338
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BROOME NY
Recording Date	Oct 17, 2022
Property Address	12 MICHAEL RD, BINGHAMTON, NY 13901-5329
Document Number	002705/338
Book / Page	2705 / 338
Map Reference	MB 17 PG 372&373
Instrument Date	Sep 30, 2022
Instrument	202200026607
Transaction Type	Transfer
Record Updated	Jan 27, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 MICHAEL RD, BINGHAMTON, NY 13901-5329

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15 FAIRVIEW AVE, BINGHAMTON, NY 13904-1701

Mortgage

Document Number	202200026608
Date	Oct 17, 2022
Instrument	202200026608

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BROOME NY
Property Address	12 MICHAEL RD, BINGHAMTON, NY 13901-5329
Document Number	0038650699
Instrument Date	Apr 26, 2018
Transaction Type	Mortgage
Record Updated	May 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12 MICHAEL RD BINGHAMTON NY 139015329, BINGHAMTON, NY 13901-5329

Mortgage

Document Number	0038650699
Date	May 9, 2018
Book Page	003865/000699
Instrument	12015

Lender

Name	UTILITY EMPS CU
Type	Credit Union
Address	WYOMISSING, PA 19610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 8, 2023

Tax Assessment & Valuation

Source: Broome County and Chenango Town assessment roll, as of May 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,589.00 (+6.38%)
2025	$7,134.00 (+4.85%)	$131,300 (-) Land $16,500 Building $114,800	$306,100 (+18.43%) Land $38,466 Building $267,634
2024	$6,804.00
2023		$131,300 Land $16,500 Building $114,800	$258,465 Land $32,480 Building $225,985

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 9 (5% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	11 (1979–2011)
Claims Outside the SFHA	9 of 11
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 5 claims Severe Storms And Flooding, Jun 2006 · 3 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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