Otsego County and Cherry Valley Town property record for 148 Main St, Cherry Valley, NY 13320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,390 sqft · built 1860 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $78,000 (Jul 2008) |
| Tax Bill | $2,906 (2026) |
| Deeds & Mortgages | Feb 2026 Transfer Dec 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 362401 58.10-2-55.00 |
| Primary APN | 362401 58.10-2-55.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,390 sqft Living Area |
| 1st Floor Area | 1,195 sqft |
| 2nd Floor Area | 1,195 sqft |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 24,394 sqft (0.56 acres) |
| Lot Dimensions | 235 ft deep x 104 ft wide |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 156 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 020100 |
|---|---|
| Street Address | 148 MAIN ST |
| City | CHERRY VALLEY |
| State | NY |
| Zip | 13320-2300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 985 0 0 |
| Legal Block | 2 |
| Legal Lot Number | 55.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | CHERRY VALLEY |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 590101 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Cherry Valley Village Historic District listed 1988 · 232 contributing resources · NRIS 88000472 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
148 Main St is owned and occupied by two individuals who acquired it in February 2026.
Source: Otsego County and Cherry Valley Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 148 MAIN ST, CHERRY VALLEY, NY 13320-2300 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 13, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Dec 12, 2025 | Deed of Trust, Mortgage · Conventional Mortgage NBT BANK NATIONAL ASSOCIATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2008 · Amount on File |
| Deed Sale | Jul 31, 2008 · Amount on File |
| Deed Book / Page | 1116 / 576 |
| Last Transfer Date | Feb 13, 2026 |
| Transfer Doc | 0000000073 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Feb 13, 2026 |
| Property Address | 148 MAIN ST, CHERRY VALLEY, NY 13320-2300 |
| Document Number | 0000000073 |
| Instrument Date | Feb 13, 2026 |
| Instrument | 2026-773 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 148 MAIN ST, CHERRY VALLEY, NY 13320-2300 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 148 MAIN ST, CHERRY VALLEY, NY 13320-2300 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000000989 |
|---|---|
| Date | Dec 12, 2025 |
| Instrument | 2025-4989 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jan 1, 2055 |
The 2026 property tax bill for 148 Main St was $2,906 with exemptions applied, up 1% from the year before.
Source: Otsego County and Cherry Valley Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Cherry Valley Town |
| Municipality | Cherry Valley Village |
| Unified School District | Cherry Valley-Springfield Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,906.00 (+10.03%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $2,641.00 (+21.71%) | $94,810 (-) Land $21,700 Building $73,110 | $135,443 (+2.86%) Land $31,000 Building $104,443 |
| 2024 | $2,170.00 Homeowner's exemption Senior Citizen's exemption | $94,810 (-) Land $21,700 Building $73,110 | $131,681 (+15.06%) Land $30,139 Building $101,542 |
| 2023 | $94,810 Land $21,700 Building $73,110 | $114,450 Land $26,195 Building $88,255 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 148 Main St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 20, 2017 · 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 | 6 in force |
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 risk around 148 Main 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHERRY VALLEY VILLAGE serves 620 people · EPA ID NY3800144 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2022 |
| Lead | 4 ppb (2020–2022) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
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