13 Division St, Cambridge, NY 12816 Property Records

Washington County and White Creek Town property record for 13 Division St, Cambridge, NY 12816

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,510 sqft · built 1890
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$81,079 (Jul 2005)
Tax Bill	$4,962 (2026)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`535001 256.17-1-10`

Property Details

APN / Parcel Number

Primary APN	`535001 256.17-1-10`
Alternative APNs	`500125601700010100000000` `961A100411`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,510 sqft Living Area
1st Floor Area	1,048 sqft
Upper Floors Area	462 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	187 ft deep x 88 ft wide
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	220 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	961A100411
Street Address	13 DIVISION ST
City	CAMBRIDGE
State	NY
Zip	12816-1204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	1
Legal Lot Number	10.000
Jurisdiction	WASHINGTON NY
Township / Civil Division	WHITE CREEK
Census Block Group	1
Census Block	1022
Census Tract	92000

Owner

13 Division St is owned and occupied by an individual who bought it in July 2005.

Source: Washington County and White Creek 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	Individual Name on File
Mailing Address	13 DIVISION ST, CAMBRIDGE, NY 12816-1204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2005 · Amount on File
Deed Sale	Jul 7, 2005 · Amount on File
Prior Sale	Apr 11, 2005 · Amount on File
Deed Book / Page	1958 / 12
Prior Transfer Date	Feb 14, 2005
Prior Transfer Doc	0019060053
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON NY
Property Address	13 DIVISION ST, CAMBRIDGE, NY 12816-1204
Document Number	0000004068
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 DIVISION ST CAMBRIDGE NY 128161204, CAMBRIDGE, NY 12816-1204

Mortgage

Document Number	0000004068
Date	Sep 1, 2020
Instrument	4068

Lender

Name	TCT FCU
Type	Credit Union
Address	BALLSTON SPA, NY 12020-2684

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 31, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 13 Division St was $4,962 with a homeowner's exemption, up 4.7% from the year before.

Source: Washington County and White Creek Town assessment roll, as of April 27, 2026

Property Jurisdictions

Type	Name
State	New York
County	Washington County
County Subdivision	White Creek Town
Municipality	Cambridge Village
Unified School District	Cambridge Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,962.00 (+4.68%) Homeowner's exemption
2025	$4,740.00	$155,000 Land $17,400 Building $137,600	$186,747 Land $20,964 Building $165,783
2023		$155,000 Land $17,400 Building $137,600	$158,163 Land $17,755 Building $140,408

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

Flood

FEMA maps place 13 Division St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective July 20, 2026 · 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	6 (1981–2008)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Mar 2008 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jan 1996 · 2 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 13 Division St 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	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.

Drinking Water

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

Water System	CAMBRIDGE WATER WORKS private · serves 3,000 people · EPA ID NY5700117
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20