131 E Main St, Cambridge, NY 12816 Property Records

Washington County and White Creek Town property record for 131 E Main St, Cambridge, NY 12816

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,212 sqft · built 1900
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Apr 2016)
Tax Bill	$5,318 (2026)
Deeds & Mortgages	May 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`535001 256.17-2-37`

Property Details

APN / Parcel Number

Primary APN	`535001 256.17-2-37`
Alternative APNs	`500125601700020370000000` `961A100229`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,212 sqft Total Area
1st Floor Area	1,348 sqft
2nd Floor Area	864 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	242 ft deep x 88 ft wide
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	961A100229
Street Address	131 E MAIN ST
City	CAMBRIDGE
State	NY
Zip	12816-1208
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	VR
Legal Block	2
Legal Lot Number	37.000
Jurisdiction	WASHINGTON NY
Township / Civil Division	WHITE CREEK
Census Block Group	1
Census Block	1011
Census Tract	92000

Owner

Source: Washington County and White Creek Town records, as of October 19, 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, CAMBRIDGE, NY 12816-1208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2016 · Amount on Record
Deed Sale	Apr 12, 2016 · Amount on Record
Prior Sale	Sep 28, 1998 · Amount on Record
Deed Book / Page	3639 / 160
Prior Transfer Date	Mar 10, 2005
Prior Transfer Doc	0018930072
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON NY
Property Address	131 E MAIN ST, CAMBRIDGE, NY 12816-1208
Document Number	0000002354
Instrument Date	May 26, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 E MAIN ST CAMBRIDGE NY 128161208, CAMBRIDGE, NY 12816-1208

Mortgage

Document Number	0000002354
Date	Jun 3, 2020
Instrument	2354

Lender

Name	SANTANDER BK NA
Type	Bank
Address	READING, PA 19602

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 2, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$5,318.00 (+4.69%)
2025	$5,080.00	$162,415 (-) Land $21,400 Building $141,015	$195,681 (+6.02%) Land $25,783 Building $169,898
2024		$162,415 (+4.11%) Land $21,400 Building $141,015	$184,563 (+15.94%) Land $24,318 Building $160,245
2023		$156,000 Land $21,400 Building $134,600	$159,184 Land $21,837 Building $137,347

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

Flood

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

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.

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