Chenango County and Bainbridge Town property record for 178 Co Rd 38, Bainbridge, NY 13733
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,956 sqft · built 1952 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $116,600 (Aug 2017) |
| Tax Bill | $4,827 (2026) |
| Deeds & Mortgages | Mar 2019 Mortgage Aug 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 082289 254.16-1-21 |
| Primary APN | 082289 254.16-1-21 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,956 sqft Living Area |
| 1st Floor Area | 1,408 sqft |
| Upper Floors Area | 548 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Cape Cod |
| Exterior Material | Composition/Composite |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 335 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 1,152 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0210503 |
|---|---|
| Street Address | 178 COUNTY ROAD 38 |
| City | BAINBRIDGE |
| State | NY |
| Zip | 13733-3377 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 1 |
| Legal Lot Number | 21.000 |
| Jurisdiction | CHENANGO NY |
| Township / Civil Division | BAINBRIDGE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 970801 |
178 Co Rd 38 is owned and occupied by two individuals who bought it in August 2017.
Source: Chenango County and Bainbridge Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 178 COUNTY ROAD 38, BAINBRIDGE, NY 13733-3377 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Mar 15, 2019 | Deed of Trust, Mortgage · FHA Mortgage HOMESTEAD FNDG |
| Aug 31, 2017 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2017 · Amount on File |
| Deed Sale | Aug 31, 2017 · Amount on File |
| Prior Sale | Aug 10, 2015 · Amount on File |
| Deed Book / Page | 2017 / 1308 |
| Prior Transfer Date | Mar 24, 2014 |
| Prior Transfer Doc | 2014000654 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHENANGO NY |
| Property Address | 178 COUNTY ROAD 38, BAINBRIDGE, NY 13733-3377 |
| Document Number | 000000M579 |
| Instrument Date | Mar 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 178 COUNTY ROAD 38 BAINBRIDGE NY 137333377, BAINBRIDGE, NY 13733-3377 |
| Document Number | 000000M579 |
|---|---|
| Date | Apr 1, 2019 |
| Instrument | M579 |
| Name | HOMESTEAD FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | ALBANY, NY 12205 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 31, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHENANGO NY |
| Recording Date | Aug 31, 2017 |
| Property Address | 178 COUNTY ROAD 38, BAINBRIDGE, NY 13733-3377 |
| Document Number | 0000001308 |
| Instrument Date | Aug 28, 2017 |
| Instrument | 1308 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $466.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 178 COUNTY ROAD 38 BAINBRIDGE NY 137333377, BAINBRIDGE, NY 13733-3377 |
The 2026 property tax bill for 178 Co Rd 38 was $4,827, up 0.9% from the year before.
Source: Chenango County and Bainbridge Town assessment roll, as of May 12, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Chenango County |
| County Subdivision | Bainbridge Town |
| Unified School District | Bainbridge-Guilford Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,827.00 (+0.88%) | ||
| 2025 | $4,785.00 | $120,800 Land $12,600 Building $108,200 | $177,647 Land $18,529 Building $159,118 |
| 2023 | $120,800 Land $12,600 Building $108,200 | $151,000 Land $15,750 Building $135,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 178 Co Rd 38 in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 2006.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 16 (2006–2014) |
| Claims Outside the SFHA | 12 of 16 |
| Most Recent Claim | Jun 2014 · other causes |
| 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.
Wildfire risk around 178 Co Rd 38 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: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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