131 E Main St, Afton, NY 13730 Property Records

Chenango County and Afton Town property record for 131 E Main St, Afton, NY 13730

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,376 sqft · built 1889
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Sep 2023)
Tax Bill	$5,460 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082001 289.11-2-24.12`

Property Details

APN / Parcel Number

Primary APN	`082001 289.11-2-24.12`
Alternative APN	`200128911000020241200000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,376 sqft Total Area
1st Floor Area	1,268 sqft
2nd Floor Area	630 sqft
Upper Floors Area	478 sqft

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1889
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	22,216 sqft (0.51 acres)
Garage Type	Detached
Garage Area	2,000 sqft
Parking Spaces	7 Parking Spaces
Porch	Slab
Porch Area	216 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	131 E MAIN ST
City	AFTON
State	NY
Zip	13730-3228
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Block	2
Legal Lot Number	24.120
Jurisdiction	CHENANGO NY
Township / Civil Division	AFTON
Census Block Group	1
Census Block	1072
Census Tract	970901

Owner

Source: Chenango County and Afton 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	131 E MAIN ST, AFTON, NY 13730-3228
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2023	Warranty Deed, Transfer · FHA Mortgage HUDSON UNITED MORTGAGE
Jan 27, 2022	Deed, Transfer · Stand-Alone First Mortgage NBT BANK NATIONAL ASSOCIATION
Jan 31, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2023 · Amount on Record
Deed Sale	Sep 27, 2023 · Amount on Record
Prior Sale	Jan 27, 2022 · Amount on Record
Deed Document Number	20231584
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHENANGO NY
Recording Date	Sep 27, 2023
Property Address	131 E MAIN ST, AFTON, NY 13730-3228
Document Number	2023000001584
Instrument Date	Sep 22, 2023
Instrument	20230-00001584
Transaction Type	Transfer
Record Updated	Oct 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1073 E AFTON RD, BAINBRIDGE, NY 13733-3264

Mortgage

Document Number	23000001572
Date	Sep 27, 2023
Instrument	230-00001572

Lender

Name	HUDSON UNITED MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHENANGO NY
Recording Date	Jan 27, 2022
Property Address	131 E MAIN ST, AFTON, NY 13730-3228
Document Number	2022000000132
Instrument Date	Jan 26, 2022
Instrument	20220-00000132
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 E MAIN ST # 101, 101, AFTON, NY 13730-3228

Mortgage

Document Number	22000000201
Date	Jan 27, 2022
Instrument	220-00000201

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	2022000000201
Date	Jan 27, 2022
Instrument	20220-00000201

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHENANGO NY
Recording Date	Jan 31, 2018
Property Address	131 E MAIN ST, AFTON, NY 13730-3228
Document Number	0000000142
Instrument Date	Jan 30, 2018
Instrument	142
Transaction Type	Transfer
Record Updated	Mar 13, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	523 HALL RD AFTON NY 137302102, AFTON, NY 13730-2102

Tax Assessment & Valuation

Source: Chenango County and Afton Town assessment roll, as of May 12, 2026

Property Jurisdictions

Type	Name
State	New York
Municipality	Afton Village
County	Chenango County
County Subdivision	Afton Town
Unified School District	Afton Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,460.00 (+10.68%)
2025	$4,933.00	$75,000 (+19.81%) Land $7,600 Building $67,400	$178,571 (+42.63%) Land $18,095 Building $160,476
2023		$62,600 (-) Land $7,600 Building $55,000	$125,200 (+16%) Land $15,200 Building $110,000
2022		$62,600 Land $7,600 Building $55,000	$107,931 Land $13,103 Building $94,828

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, effective November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	3 (2011)
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 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	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	AFTON VILLAGE serves 838 people · EPA ID NY0801738
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: TDS Telecom.

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