209 Gardner Rd, Chenango Forks, NY 13746 Property Records

Chenango County and Greene Town property record for 209 Gardner Rd, Chenango Forks, NY 13746

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,772 sqft · built 2000
Lot Size	2.96 acres (128,938 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Nov 2020)
Tax Bill	$5,906 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Nov 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`083089 259.-2-22.3`

Property Details

APN / Parcel Number

Primary APN	`083089 259.-2-22.3`
Alternative APN	`308925900000020223000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,772 sqft Living Area
1st Floor Area	1,772 sqft
Basement Area	780 sqft
Finished Basement	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	128,938 sqft (2.96 acres)
Garage Type	Detached
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	380 sqft
Porch	Slab
Porch Area	632 sqft
Canopy	276 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	209 GARDNER RD
City	CHENANGO FORKS
State	NY
Zip	13746-2132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	22.300
Jurisdiction	CHENANGO NY
Township / Civil Division	GREENE
Census Block Group	1
Census Block	1009
Census Tract	971000

Owner

Source: Chenango County and Greene 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	209 GARDNER RD, CHENANGO FORKS, NY 13746-2132
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2020	Deed of Trust, Mortgage VISIONS FCU
Nov 25, 2020	Warranty Deed, Transfer · Conventional with PMI VISIONS FCU
Jan 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK NA
Jan 15, 2020	Loan Modification, Mortgage · Conventional Mortgage CITIZENS BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2020 · Amount on Record
Deed Sale	Nov 25, 2020 · Amount on Record
Deed Document Number	20201513
Prior Transfer Date	Sep 22, 2015
Prior Transfer Doc	02015/1976
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHENANGO NY
Property Address	209 GARDNER RD, CHENANGO FORKS, NY 13746-2132
Document Number	0000001734
Instrument Date	Oct 12, 2020
Transaction Type	Mortgage
Record Updated	Dec 28, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 GARDNER RD CHENANGO FORKS NY 137462132, CHENANGO FORKS, NY 13746-2132

Mortgage

Document Number	0000001734
Date	Nov 25, 2020
Instrument	1734

Lender

Name	VISIONS FCU
Type	Credit Union
Address	ENDICOTT, NY 13760

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2050

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHENANGO NY
Recording Date	Nov 25, 2020
Property Address	209 GARDNER RD, CHENANGO FORKS, NY 13746-2132
Document Number	0000001513
Instrument Date	Oct 9, 2020
Instrument	1513
Transaction Type	Transfer
Record Updated	Jan 4, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 EMERSON RD CASTLE CREEK NY 137441051, CASTLE CREEK, NY 13744-1051

Mortgage

Document Number	1734
Date	Nov 25, 2020
Instrument	1734

Lender

Name	VISIONS FCU
Type	Credit Union
Address	ENDICOTT, NY 13760

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHENANGO NY
Property Address	209 GARDNER RD, CHENANGO FORKS, NY 13746-2132
Document Number	0000000751
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	QUICKSILVA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 GARDNER RD CHENANGO FORKS NY 137462132, CHENANGO FORKS, NY 13746-2132

Mortgage

Document Number	0000000751
Date	May 27, 2020
Instrument	751

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 26, 2040

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHENANGO NY
Property Address	209 GARDNER RD, CHENANGO FORKS, NY 13746-2132
Document Number	0000000752
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	QUICKSILVA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 GARDNER RD CHENANGO FORKS NY 137462132, CHENANGO FORKS, NY 13746-2132

Mortgage

Document Number	0000000752
Date	May 27, 2020
Instrument	752

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 26, 2040

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,906.00 (+0.27%)
2025	$5,890.00	$150,000 (-) Land $24,000 Building $126,000	$245,902 (+19.67%) Land $39,344 Building $206,558
2023		$150,000 Land $24,000 Building $126,000	$205,479 Land $32,877 Building $172,602

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 Policies	1 in force
Nearby Flood Claims	4 (2006–2019)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Nov 2019 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms And Flooding, Nov 2006 · 3 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 17 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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