Otsego County and Cherry Valley Town property record for 151 Main St, Cherry Valley, NY 13320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,148 sqft · built 1890 |
| Lot Size | 0.68 acres (29,621 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $135,000 (Mar 2007) |
| Tax Bill | $4,273 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit Aug 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 362401 58.10-2-19.00 |
| Primary APN | 362401 58.10-2-19.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,148 sqft Living Area |
| 1st Floor Area | 1,272 sqft |
| 2nd Floor Area | 876 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 29,621 sqft (0.68 acres) |
| Lot Width | 99 ft Width |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 313 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 014800 |
|---|---|
| Street Address | 151 MAIN ST |
| City | CHERRY VALLEY |
| State | NY |
| Zip | 13320-3729 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 982 0 0 |
| Legal Block | 2 |
| Legal Lot Number | 19.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | CHERRY VALLEY |
| Census Block Group | 3 |
| Census Block | 3013 |
| 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.
Source: Otsego County and Cherry Valley 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 | 151 MAIN ST, CHERRY VALLEY, NY 13320-3729 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 13, 2022 | Deed of Trust, Mortgage · Line of Credit NBT BANK NATIONAL ASSOCIATION |
| Aug 9, 2022 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 6, 2007 · Amount on Record |
| Deed Sale | Mar 6, 2007 · Amount on Record |
| Prior Sale | Dec 1, 2005 · Amount on Record |
| Deed Book / Page | 1102 / 940 |
| Last Transfer Date | Jan 28, 2022 |
| Transfer Doc | 0000000371 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 151 MAIN ST, CHERRY VALLEY, NY 13320-3729 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000000060 |
|---|---|
| Date | Sep 13, 2022 |
| Instrument | 2022-5060 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 9, 2022 |
| Property Address | 151 MAIN ST, CHERRY VALLEY, NY 13320-3729 |
| Document Number | 0000000371 |
| Instrument Date | Jan 28, 2022 |
| Instrument | 2022-4371 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 151 MAIN ST, CHERRY VALLEY, NY 13320-3729 |
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 | $4,273.00 (-8.58%) | ||
| 2025 | $4,674.00 | $140,000 (-) Land $19,800 Building $120,200 | $200,000 (+18.34%) Land $28,286 Building $171,714 |
| 2023 | $140,000 Land $19,800 Building $120,200 | $169,000 Land $23,901 Building $145,099 |
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 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.
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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