Delaware County and Sidney Town property record for 15 Pearl St E, Sidney, NY 13838
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,064 sqft · built 1946 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $67,500 (May 1997) |
| Tax Bill | $3,592 (2026) |
| Deeds & Mortgages | Aug 2011 Mortgage Aug 2015 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 125001 115.20-10-8 |
| Primary APN | 125001 115.20-10-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,064 sqft Living Area |
| 1st Floor Area | 1,064 sqft |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Architectural Style | Cottage |
| Exterior Material | Wood |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 145 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 366 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 08202148021 |
|---|---|
| Street Address | 15 PEARL ST E |
| City | SIDNEY |
| State | NY |
| Zip | 13838-1597 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | GILBERT EST LOT 49 |
| Legal Block | 10 |
| Legal Lot Number | 8.000 |
| Jurisdiction | DELAWARE NY |
| Township / Civil Division | SIDNEY |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 970402 |
Source: Delaware County and Sidney 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 15 PEARL ST, BAINBRIDGE, NY 13733-1039 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 22, 2011 | Deed of Trust, Mortgage SIDNEY FEDERAL CREDIT UNION |
| Aug 31, 2015 | Deed of Trust, Mortgage SIDNEY FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 1997 · Amount on Record |
| Deed Sale | May 13, 1997 · Amount on Record |
| Deed Book / Page | 820 / 176 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE NY |
| Property Address | 15 PEARL ST E, SIDNEY, NY 13838-1597 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001739/0000000172 |
|---|---|
| Date | Aug 22, 2011 |
| Book Page | 0000001739/0000000172 |
| Instrument | 0000142287 |
| Name | SIDNEY FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE NY |
| Property Address | 15 PEARL ST E, SIDNEY, NY 13838-1597 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001992/0000000154 |
|---|---|
| Date | Aug 31, 2015 |
| Book Page | 0000001992/0000000154 |
| Instrument | 000000282351 |
| Name | SIDNEY FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|
Source: Delaware County and Sidney Town assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Delaware County |
| County Subdivision | Sidney Town |
| Municipality | Sidney Village |
| Unified School District | Sidney Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,592.00 (+1.53%) Homeowner's exemption | ||
| 2025 | $3,538.00 (+91.14%) | $62,680 (-) Land $10,000 Building $52,680 | $125,360 (+17.05%) Land $20,000 Building $105,360 |
| 2023 | $62,680 (-) Land $10,000 Building $52,680 | $107,100 (+9.85%) Land $17,087 Building $90,013 | |
| 2022 | $62,680 Land $10,000 Building $52,680 | $97,500 Land $15,555 Building $81,945 | |
| 2021 | $1,851.00 (-31.29%) | ||
| 2020 | $2,694.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 13, 2025 · 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 |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 6 (2005–2026) |
| Most Recent Claim | Sep 2026 |
| Claims by Event |
|
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.
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 | None beyond ember reach |
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 | SIDNEY VILLAGE serves 3,800 people · EPA ID NY1200270 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 30 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.
Source: FCC Broadband Data Collection, based on 280 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
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