1208 Upper Front St, Binghamton, NY 13905 Property Records

Broome County and Chenango Town property record for 1208 Upper Front St, Binghamton, NY 13905

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,922 sqft · built 1932
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Oct 2025)
Tax Bill	$4,653 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Jun 2025 Mortgage + 2 more
APN	`032400 111.20-2-12`

Property Details

APN / Parcel Number

Primary APN	`032400 111.20-2-12`
Alternative APNs	`240011102000020120000000` `24425200000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,922 sqft Living Area
1st Floor Area	1,116 sqft
2nd Floor Area	806 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	216 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Well

Location & Zoning

Account Number	24425200000
Street Address	1208 UPPER FRONT ST
City	BINGHAMTON
State	NY
Zip	13905-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	007000000800B39X0000
Legal Block	2
Legal Lot Number	12.000
Jurisdiction	BROOME NY
Township / Civil Division	CHENANGO
Census Block Group	1
Census Block	1005
Census Tract	12103

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	21 WALNUT ST, MORAVIA, NY 13118-7701
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 18, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 15, 2025	Deed, Transfer · VA Mortgage HOMESTEAD FUNDING CORP
Oct 15, 2025	Deed, Transfer · VA Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2025 · Amount on Record
Deed Sale	Oct 15, 2025 · Amount on Record
Deed Document Number	202526678
Deed Book / Page	2806 / 524
Prior Transfer Date	Sep 29, 2025
Prior Transfer Doc	004233/259
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BROOME NY
Property Address	1208 UPPER FRONT ST, BINGHAMTON, NY 13905-1126
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 UPPER FRONT ST, BINGHAMTON, NY 13905-1126

Mortgage

Document Number	004103/250
Date	Oct 5, 2022
Book Page	4103/250
Instrument	202200025814

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BROOME NY
Property Address	1208 UPPER FRONT ST, BINGHAMTON, NY 13905-1126
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 UPPER FRONT ST, BINGHAMTON, NY 13905-1126

Mortgage

Document Number	0004217/13
Date	Jun 18, 2025
Book Page	4217/13
Instrument	202500017471

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Oct 1, 2052

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BROOME NY
Recording Date	Oct 15, 2025
Property Address	1208 UPPER FRONT ST, BINGHAMTON, NY 13905-1126
Document Number	002806/524
Book / Page	2806 / 524
Map Reference	MB 3 PG 95
Instrument Date	Sep 29, 2025
Instrument	202500026678
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1208 UPPER FRONT ST, BINGHAMTON, NY 13905-1126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 WALNUT ST, MORAVIA, NY 13118-7701
Investor	Possibly a Property Investor

Mortgage

Document Number	202500026679
Date	Oct 15, 2025
Instrument	202500026679

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BROOME NY
Recording Date	Oct 15, 2025
Property Address	1208 UPPER FRONT ST, BINGHAMTON, NY 13905-1126
Document Number	002806/524
Book / Page	2806 / 524
Map Reference	MB 3 PG 95
Instrument Date	Sep 29, 2025
Instrument	202500026678
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1208 UPPER FRONT ST, BINGHAMTON, NY 13905-1126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 WALNUT ST, MORAVIA, NY 13118-7701
Investor	Possibly a Property Investor

Mortgage

Document Number	202500026679
Date	Oct 15, 2025
Instrument	202500026679

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

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 Valley Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,653.00 (+8.59%)
2025	$4,285.00 (+6.46%)	$66,900 (-) Land $15,000 Building $51,900	$155,900 (+18.38%) Land $34,955 Building $120,945
2024	$4,025.00 (+140.3%)
2023		$66,900 (-) Land $15,000 Building $51,900	$131,693 (+9.25%) Land $29,528 Building $102,165
2022		$66,900 Land $15,000 Building $51,900	$120,541 Land $27,027 Building $93,514
2016	$1,675.00

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
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	22 (2006–2021)
Claims Outside the SFHA	20 of 22
Most Recent Claim	Jul 2021 · river or lake flooding
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 14 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 94% of the US · lower than 91% of New York
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHENANGO CONSOLIDATED WD #1 serves 9,200 people · EPA ID NY0301653
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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