203 Thomas Rd, Old Chatham, NY 12136 Property Records

Columbia County and Chatham Town property record for 203 Thomas Rd, Old Chatham, NY 12136

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,744 sqft · built 1988
Lot Size	9.02 acres (392,911 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Jul 2017)
Tax Bill	$16,111 (2026)
Deeds & Mortgages	Aug 2021 Refinance Jul 2019 Mortgage + 2 more
APN	`102689 46.-1-26`

Property Details

APN / Parcel Number

Primary APN	`102689 46.-1-26`
Alternative APN	`268904600000010260000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,744 sqft Living Area
1st Floor Area	1,664 sqft
Upper Floors Area	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	392,911 sqft (9.02 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Shed	1 Shed
Canopy	347 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	203 THOMAS RD
City	OLD CHATHAM
State	NY
Zip	12136-3514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL-2
Legal Description	TENANTS IN COMMON MICRO 9522
Legal Block	1
Legal Lot Number	26.000
Jurisdiction	COLUMBIA NY
Township / Civil Division	CHATHAM
Census Block Group	1
Census Block	1035
Census Tract	300

Owner

203 Thomas Rd is owned and occupied by two individuals who bought it in July 2017.

Source: Columbia County and Chatham Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	203 THOMAS RD, OLD CHATHAM, NY 12136-3514
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

Date	Document
Aug 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance M & T BANK
Jul 11, 2019	Deed of Trust, Mortgage · Balloon Mortgage MANUFACTURERS & TRADERS TRUST CO
Sep 19, 2017	Deed of Trust, Mortgage M&T BANK NA
Jul 31, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2017 · Amount on File
Deed Sale	Jul 31, 2017 · Amount on File
Prior Sale	Dec 12, 2016 · Amount on File
Deed Book / Page	850 / 1233
Prior Transfer Date	Oct 31, 2016
Prior Transfer Doc	0008380000000137
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA NY
Property Address	203 THOMAS RD, OLD CHATHAM, NY 12136-3514
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007934
Date	Aug 12, 2021
Book Page	939/1774
Instrument	20210007934

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2041

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA NY
Property Address	203 THOMAS RD, OLD CHATHAM, NY 12136-3514
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006903
Date	Jul 11, 2019
Book Page	887/2079
Instrument	20190006903

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA NY
Property Address	203 THOMAS RD, OLD CHATHAM, NY 12136-3514
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008843
Date	Sep 19, 2017
Book Page	0000000853/0000001367
Instrument	20170008843

Lender

Name	M&T BANK NA

Agreement

Amount	Amount on Record
Term	352 Months
Due	Jan 1, 2047

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	COLUMBIA NY
Recording Date	Jul 31, 2017
Property Address	203 THOMAS RD, OLD CHATHAM, NY 12136-3514
Document Number	0000006962
Book / Page	000850 / 001233
Instrument Date	Jul 27, 2017
Instrument	6962
Transaction Type	Transfer
Record Updated	Sep 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,800.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9 MORRIS LN HALFMOON NY 120657824, HALFMOON, NY 12065-7824

Tax Assessment & Valuation

The 2026 property tax bill for 203 Thomas Rd was $16,111, up 0.2% from the year before.

Source: Columbia County and Chatham Town assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Columbia County
County Subdivision	Chatham Town
Unified School District	Chatham Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$16,111.00 (+0.19%)
2025	$16,080.00	$900,000 Land $91,100 Building $808,900	$1,097,561 Land $111,098 Building $986,463
2023		$780,000 (+18.18%) Land $91,100 Building $688,900	$838,710 (+27.08%) Land $97,957 Building $740,753
2022		$660,000 Land $91,100 Building $568,900	$660,000 Land $91,100 Building $568,900

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

Flood

FEMA has no flood map on file for 203 Thomas Rd; there have been 1 flood claim nearby since 2008.

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

FEMA Flood Zone	Not on file
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2008 · Severe Winter Storm

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 203 Thomas Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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