20 Gilbert St, Cambridge, NY 12816 Property Records

Washington County and White Creek Town property record for 20 Gilbert St, Cambridge, NY 12816

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 2001
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Aug 2021)
Tax Bill	$6,003 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`535001 264.5-1-16`

Property Details

APN / Parcel Number

Primary APN	`535001 264.5-1-16`
Alternative APNs	`500126400500010160000000` `961A100448`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	43,560 sqft (1 acres)
Garage Type	Detached
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Patio Area	439 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	961A100448
Street Address	20 GILBERT ST
City	CAMBRIDGE
State	NY
Zip	12816-2615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	RES SUB LOT 1
Legal Block	1
Legal Lot Number	16.000
Jurisdiction	WASHINGTON NY
Township / Civil Division	WHITE CREEK
Census Block Group	1
Census Block	1032
Census Tract	92000

Owner

20 Gilbert St is owned and occupied by two individuals who bought it in August 2021.

Source: Washington County and White Creek Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 GILBERT ST, CAMBRIDGE, NY 12816-2615
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2021 · Amount on File
Deed Sale	Aug 23, 2021 · Amount on File
Prior Sale	Sep 3, 2013 · Amount on File
Deed Document Number	20215112
Prior Transfer Date	Jan 6, 2006
Prior Transfer Doc	0020960108
Record Updated	Oct 29, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON NY
Recording Date	Aug 23, 2021
Property Address	20 GILBERT ST, CAMBRIDGE, NY 12816-2615
Document Number	112
Instrument Date	Jul 12, 2021
Instrument	2021-5112
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Amount	Amount on Record
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	5 GILLESPIE ST, HOOSICK FALLS, NY 12090-1207

Mortgage

Document Number	113
Date	Aug 23, 2021
Instrument	2021-5113

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 20 Gilbert St was $6,003 with a homeowner's exemption, up 4.7% from the year before.

Source: Washington County and White Creek Town assessment roll, as of April 27, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,003.00 (+4.69%) Homeowner's exemption
2025	$5,734.00 Homeowner's exemption	$185,000 (-) Land $30,000 Building $155,000	$222,892 (+6.02%) Land $36,145 Building $186,747
2024		$185,000 (-) Land $30,000 Building $155,000	$210,227 (+11.36%) Land $34,091 Building $176,136
2023		$185,000 Land $30,000 Building $155,000	$188,776 Land $30,612 Building $158,164

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

Flood

FEMA maps place 20 Gilbert St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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
Claims by Event	Severe Storms And Flooding, Jan 1996 · 2 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

Wildfire risk around 20 Gilbert St 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 162 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 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20