Chenango County and Bainbridge Town property record for 181 Houck Dr, Bainbridge, NY 13733
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,848 sqft · built 2005 |
| Lot Size | 5.4 acres (235,224 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,837 (2026) |
| Deeds & Mortgages | Apr 2023 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 082289 276.-2-48 |
| Primary APN | 082289 276.-2-48 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,848 sqft Living Area |
| 1st Floor Area | 1,848 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 235,224 sqft (5.4 acres) |
| Porch | Slab |
| Porch Area | 358 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 181 HOUCK DR |
|---|---|
| City | BAINBRIDGE |
| State | NY |
| Zip | 13733-3286 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 2 |
| Legal Lot Number | 48.000 |
| Jurisdiction | CHENANGO NY |
| Township / Civil Division | BAINBRIDGE |
| Census Block Group | 4 |
| Census Block | 4074 |
| Census Tract | 970801 |
181 Houck Dr is owned and occupied by two individuals.
Source: Chenango County and Bainbridge Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 181 HOUCK DR, BAINBRIDGE, NY 13733-3286 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHENANGO NY |
| Property Address | 181 HOUCK DR, BAINBRIDGE, NY 13733-3286 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023000000569 |
|---|---|
| Date | Apr 11, 2023 |
| Instrument | 20230-00000569 |
| Name | SIDNEY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 181 Houck Dr was $5,837 with exemptions applied, up 7.9% 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 | $5,837.00 (+7.87%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $5,411.00 | $167,300 Land $27,600 Building $139,700 | $246,029 Land $40,588 Building $205,441 |
| 2023 | $167,300 Land $27,600 Building $139,700 | $209,125 Land $34,500 Building $174,625 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 181 Houck Dr in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1994.
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 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 22 (1994–2011) |
| Claims Outside the SFHA | 7 of 22 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| 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 181 Houck Dr 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 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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