18 Kirby St, Bainbridge, NY 13733 Property Records

Chenango County and Bainbridge Town property record for 18 Kirby St, Bainbridge, NY 13733

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,776 sqft · built 1870
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$115,957 (Sep 2022)
Tax Bill	$3,801 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Aug 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082201 265.06-2-33`

Property Details

APN / Parcel Number

Primary APN	`082201 265.06-2-33`
Alternative APNs	`220126506000020330000000` `0210912`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,776 sqft Living Area
1st Floor Area	1,056 sqft
2nd Floor Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1960
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	137 ft deep x 76 ft wide
Porch	Slab
Porch Area	128 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0210912
Street Address	18 KIRBY ST
City	BAINBRIDGE
State	NY
Zip	13733-1146
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Block	2
Legal Lot Number	33.000
Jurisdiction	CHENANGO NY
Township / Civil Division	BAINBRIDGE
Census Block Group	2
Census Block	2024
Census Tract	970801

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bainbridge Historic District listed 1982 · 97 contributing resources · NRIS 82001095

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Chenango County and Bainbridge 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	18 KIRBY ST, BAINBRIDGE, NY 13733-1146
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 14, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance SECRETARY HOUSING URBAN DEVELOPMENT
Sep 7, 2022	Warranty Deed, Transfer · FHA Mortgage 1ST PRIORITY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2022 · Amount on Record
Deed Sale	Sep 7, 2022 · Amount on Record
Prior Sale	Jan 25, 2010 · Amount on Record
Deed Document Number	2022202200001651
Prior Transfer Date	Jan 8, 2008
Prior Transfer Doc	2008000099
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHENANGO NY
Property Address	18 KIRBY ST, BAINBRIDGE, NY 13733-1146
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2024000000357
Date	Mar 11, 2024
Instrument	20240-00000357

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Apr 1, 2052

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHENANGO NY
Property Address	18 KIRBY ST, BAINBRIDGE, NY 13733-1146
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2023000001294
Date	Aug 14, 2023
Instrument	20230-00001294

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Sep 1, 2052

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHENANGO NY
Recording Date	Sep 7, 2022
Property Address	18 KIRBY ST, BAINBRIDGE, NY 13733-1146
Document Number	2022000001651
Instrument Date	Jul 26, 2022
Instrument	20220-00001651
Transaction Type	Transfer
Record Updated	Sep 27, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	682 COUNTY ROAD 36, GUILFORD, NY 13780-3157

Mortgage

Document Number	22000001973
Date	Sep 7, 2022
Instrument	220-00001973

Lender

Name	1ST PRIORITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Chenango County and Bainbridge Town assessment roll, as of May 12, 2026

Property Jurisdictions

Type	Name
State	New York
County	Chenango County
County Subdivision	Bainbridge Town
Municipality	Bainbridge Village
Unified School District	Bainbridge-Guilford Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,801.00 (-19.35%)
2025	$4,713.00	$77,160 (-) Land $15,000 Building $62,160	$113,471 (+17.65%) Land $22,059 Building $91,412
2023		$77,160 (+25.46%) Land $15,000 Building $62,160	$96,450 (+36.44%) Land $18,750 Building $77,700
2022		$61,500 Land $15,000 Building $46,500	$70,690 Land $17,241 Building $53,449

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 November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Remnants Of Tropical Storm Lee, Sep 2011 · 12 claims Severe Storms And Flooding, Jun 2006 · 3 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BAINBRIDGE VILLAGE serves 1,550 people · EPA ID NY0801739
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 291 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 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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