12 Mountain Ave, Cairo, NY 12413 Property Records

Greene County and Cairo Town property record for 12 Mountain Ave, Cairo, NY 12413

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,260 sqft · built 1998
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$8,000 (May 1997)
Tax Bill	$3,636 (2025)
Deeds & Mortgages	Mar 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`648-189`

Property Details

APN / Parcel Number

Primary APN	`648-189`
Alternative APNs	`240010100900010122000000` `192400 101.09-1-12.2`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,260 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	103 ft deep x 54 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	648-189
Street Address	12 MOUNTAIN AVE
City	CAIRO
State	NY
Zip	12413-2850
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HWY CR24 1007/208
Legal Block	1
Legal Lot Number	12.200
Jurisdiction	GREENE NY
Township / Civil Division	CAIRO
Census Block Group	3
Census Block	3016
Census Tract	80502

Owner

Source: Greene County and Cairo Town records · APN 648-189

Assessment roll updated April 21, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	6352 RTE 23, CAIRO, NY 12413
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 01, 1997 · Amount on Record
Deed Sale	May 01, 1997 · Amount on Record
Deed Book / Page	872 / 300
Last Transfer Date	Feb 25, 2002
Transfer Doc	1028000128
Record Updated	Jun 08, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE NY
Property Address	12 MOUNTAIN AVE, CAIRO, NY 12413-2850
Transaction Type	Mortgage
Record Updated	Mar 15, 2024
Title Company	MISC COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M2023835
Date	Mar 30, 2023
Instrument	M2023-835

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

Tax Assessment & Valuation

Source: Greene County and Cairo Town records · Assessment roll updated April 21, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	New York
County	Greene County
County Subdivision	Cairo Town
Unified School District	Cairo-Durham Central School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,636.00	$81,400 (-) Land $8,900 Building $72,500	$232,600 (+16.3%) Land $25,432 Building $207,168
2023		$81,400 Land $8,900 Building $72,500	$200,000 Land $21,867 Building $178,133

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Greene County (36039C), updated June 2, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360390805023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	14 (1980–2011)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 6 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 128 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Mid-Hudson Cablevision Fiber · Cable	5,000 / 5,000

May also be available: Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	CAIRO WATER DISTRICT serves 1,400 people
Water Source	Groundwater influenced by surface water
Last State Inspection	Jul 2025
Lead	3 ppb (2023–2025) action level 15 ppb
Copper	1.56 mg/L (2021) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Failure to filter resolved · Jul 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.