203 Creek Fred Smith Rd, Mount Upton, NY 13809 Property Records

Chenango County and Guilford Town property record for 203 Creek Fred Smith Rd, Mount Upton, NY 13809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,890 sqft · built 1985
Lot Size	5.1 acres (222,156 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Dec 2025)
Tax Bill	$2,537 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`083200 210.-1-19.3`

Property Details

APN / Parcel Number

Primary APN	`083200 210.-1-19.3`
Alternative APN	`320021000000010193000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,890 sqft Living Area
1st Floor Area	1,890 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	222,156 sqft (5.1 acres)
Porch	Slab
Porch Area	160 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	203 CREEK-FRED SMITH RD
City	MOUNT UPTON
State	NY
Zip	13809-4181
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Block	1
Legal Lot Number	19.300
Jurisdiction	CHENANGO NY
Township / Civil Division	GUILFORD
Census Block Group	4
Census Block	4029
Census Tract	970602

Owner

Source: Chenango County and Guilford 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	203 CREEK-FRED SMITH RD, MOUNT UPTON, NY 13809-4181
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage LYONS SAVINGS BANK
Dec 10, 2025	Warranty Deed, Transfer · Conventional Mortgage LYONS SAVINGS BANK
Aug 24, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2025 · Amount on Record
Deed Sale	Dec 10, 2025 · Amount on Record
Prior Sale	Aug 24, 2023 · Amount on Record
Deed Document Number	20251871
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHENANGO NY
Property Address	203 CREEK-FRED SMITH RD, MOUNT UPTON, NY 13809-4181
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202500001920
Date	Dec 10, 2025
Instrument	2025-00001920

Lender

Name	LYONS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHENANGO NY
Recording Date	Dec 10, 2025
Property Address	203 CREEK-FRED SMITH RD, MOUNT UPTON, NY 13809-4181
Document Number	202500001871
Instrument Date	Nov 10, 2025
Instrument	2025-00001871
Transaction Type	Transfer
Record Updated	Feb 3, 2026

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	203 CREEK-FRED SMITH RD, MOUNT UPTON, NY 13809-4181

Mortgage

Document Number	202500001920
Date	Dec 10, 2025
Instrument	2025-00001920

Lender

Name	LYONS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CHENANGO NY
Recording Date	Aug 24, 2023
Property Address	203 CREEK FRED SMITH, MOUNT UPTON, NY 13809-4181
Document Number	2023000001341
Instrument Date	Aug 23, 2023
Instrument	20230-00001341
Transaction Type	Transfer
Record Updated	Sep 12, 2023

Transaction

Amount	Amount Recorded
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	115 ROYAL AVE, NORWICH, NY 13815-3517

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Chenango County
County Subdivision	Guilford Town
Unified School District	Gilbertsville-Mount Upton Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,537.00 (-0.7%)
2025	$2,555.00 (-0.78%)	$83,700 (-) Land $21,100 Building $62,600	$105,949 (+2.53%) Land $26,709 Building $79,240
2024	$2,575.00	$83,700 (-) Land $21,100 Building $62,600	$103,333 (+2.47%) Land $26,049 Building $77,284
2023		$83,700 (-) Land $21,100 Building $62,600	$100,843 (+7.23%) Land $25,422 Building $75,421
2022		$83,700 Land $21,100 Building $62,600	$94,045 Land $23,708 Building $70,337

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	7 (2006–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Aug 2024 · Severe Storm And Flooding
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 3 claims Severe Storms And Flooding, Jun 2006 · 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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