Chenango County and Bainbridge Town property record for 184 Elm Dr, Bainbridge, NY 13733
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 2 ba · 2,128 sqft · built 2002 |
| Lot Size | 11.9 acres (520,542 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $16,000 (Sep 2001) |
| Tax Bill | $8,083 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 082289 275.-4-3 |
| Primary APN | 082289 275.-4-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,128 sqft Living Area |
| 1st Floor Area | 1,720 sqft |
| Upper Floors Area | 408 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 520,542 sqft (11.9 acres) |
| Garage Type | Mixed |
| Garage Area | 1,554 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Slab |
| Porch Area | 373 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0211173 |
|---|---|
| Street Address | 184 ELM DR |
| City | BAINBRIDGE |
| State | NY |
| Zip | 13733 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | DEED REF B622 P700 |
| Legal Block | 4 |
| Legal Lot Number | 3.000 |
| Jurisdiction | CHENANGO NY |
| Township / Civil Division | BAINBRIDGE |
| Census Block Group | 2 |
| Census Block | 2060 |
| Census Tract | 970901 |
184 Elm Dr, a residential property, is owned and occupied by two individuals who bought it in September 2001.
Source: Chenango County and Bainbridge Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 253, BAINBRIDGE, NY 13733-0253 |
| 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 |
|---|---|
| Last Sale | Sep 11, 2001 · Amount on File |
| Deed Sale | Sep 11, 2001 · Amount on File |
| Deed Book / Page | 20010 / 1977 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHENANGO NY |
| Recording Date | Jun 24, 2026 |
| Property Address | 184 ELM DR, BAINBRIDGE, NY 13733 |
| Document Number | 0000001046 |
| Instrument Date | Jun 5, 2026 |
| Instrument | 20261046 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001046, |
|---|---|
| Date | Jun 24, 2026 |
| Instrument | 20261046 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2041 |
| Rate | 5.72% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 184 Elm Dr was $8,083 with exemptions applied, up 18.9% 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 | $8,083.00 (+18.92%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $6,797.00 | $202,300 Land $36,100 Building $166,200 | $297,500 Land $53,088 Building $244,412 |
| 2023 | $202,300 Land $36,100 Building $166,200 | $252,875 Land $45,125 Building $207,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 184 Elm Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.
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 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 2 (2011) |
| 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 184 Elm 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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
5G (outdoors only) and 4G LTE
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