20 E Main St, Cambridge, NY 12816 Property Records

Washington County and White Creek Town property record for 20 E Main St, Cambridge, NY 12816 · Last verified May 2026

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 3,562 sqft · built 1900
Lot Size	0.65 acres (28,314 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,210 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`535001 255.20-8-3`

Property Details

APN / Parcel Number

Primary APN	`535001 255.20-8-3`
Alternative APNs	`500125502000080030000000` `961C100172`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,562 sqft Total Area
1st Floor Area	2,048 sqft
2nd Floor Area	884 sqft
Upper Floors Area	630 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	28,314 sqft (0.65 acres)
Lot Dimensions	436 ft deep x 66 ft wide
Garage Type	Carport
Garage Area	288 sqft
Carport	Carport
Carport Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	480 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	961C100172
Street Address	20 E MAIN ST
City	CAMBRIDGE
State	NY
Zip	12816-1225
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	8
Legal Lot Number	3.000
Jurisdiction	WASHINGTON NY
Township / Civil Division	WHITE CREEK
Census Block Group	1
Census Block	1027
Census Tract	92000

Owner

Source: Washington County and White Creek Town records · APN 535001 255.20-8-3

Assessment roll updated April 27, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	20 E MAIN ST, CAMBRIDGE, NY 12816-1225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Oct 21, 2004
Transfer Doc	0018300301
Record Updated	Jun 08, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON NY
Property Address	20 E MAIN ST, CAMBRIDGE, NY 12816-1225
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000021
Date	Jan 24, 2022
Instrument	2022-521

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Feb 01, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Washington County and White Creek Town records · Assessment roll updated April 27, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Washington County
County Subdivision	White Creek Town
Municipality	Cambridge Village
Unified School District	Cambridge Central School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,210.00 Homeowner's exemption Veteran's exemption	$190,000 (-) Land $26,000 Building $164,000	$228,916 (+6.02%) Land $31,325 Building $197,591
2024		$190,000 (-) Land $26,000 Building $164,000	$215,909 (+11.36%) Land $29,545 Building $186,364
2023		$190,000 Land $26,000 Building $164,000	$193,878 Land $26,531 Building $167,347

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Washington County (36115C), updated July 20, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361150920001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Nearby Flood Policies	1 in force
Nearby Flood Claims	6 (1981–2008)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Mar 2008, rainfall accumulation
Flood Events	Severe Storms And Flooding (Jan 1996), 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.