21 Front St, Bainbridge, NY 13733 Property Records

Chenango County and Bainbridge Town property record for 21 Front St, Bainbridge, NY 13733

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,080 sqft · built 1910
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Last Sale	$109,900 (Jan 2021)
Tax Bill	$6,271 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`082201 265.11-6-10`

Property Details

APN / Parcel Number

Primary APN	`082201 265.11-6-10`
Alternative APNs	`220126511000060100000000` `0210229`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,080 sqft Living Area
1st Floor Area	1,104 sqft
2nd Floor Area	976 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1976
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	165 ft deep x 130 ft wide
Garage Type	Detached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	252 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0210229
Street Address	21 FRONT ST
City	BAINBRIDGE
State	NY
Zip	13733-1207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Block	6
Legal Lot Number	10.000
Jurisdiction	CHENANGO NY
Township / Civil Division	BAINBRIDGE
Census Block Group	2
Census Block	2065
Census Tract	970901

Owner

21 Front St is owned and occupied by two individuals who bought it in January 2021.

Source: Chenango County and Bainbridge Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21 FRONT ST, BAINBRIDGE, NY 13733-1207
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	Jan 29, 2021 · Amount on File
Deed Sale	Jan 29, 2021 · Amount on File
Prior Sale	May 16, 2005 · Amount on File
Deed Document Number	2021174
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHENANGO NY
Recording Date	Jan 29, 2021
Property Address	21 FRONT ST, BAINBRIDGE, NY 13733-1207
Document Number	2021000000174
Instrument Date	Nov 11, 2020
Instrument	20210-00000174
Transaction Type	Transfer
Record Updated	Apr 18, 2022

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
Relationship	Tenants by the Entirety
Address	600 W 239TH ST # 2, 2, BRONX, NY 10463-1207

Mortgage

Document Number	21000000232
Date	Jan 29, 2021
Instrument	210-00000232

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 21 Front St was $6,271, up 1.7% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Chenango County
County Subdivision	Bainbridge Town
Municipality	Bainbridge Village
Unified School District	Bainbridge-Guilford Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,271.00 (+1.74%)
2025	$6,164.00	$127,300 Land $16,500 Building $110,800	$187,206 Land $24,265 Building $162,941
2023		$127,300 Land $16,500 Building $110,800	$159,125 Land $20,625 Building $138,500

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

Flood

FEMA maps place 21 Front St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (2011)
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 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 21 Front St is low, with less than 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 94% of the US · lower than 91% of New York
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BAINBRIDGE VILLAGE serves 1,550 people · EPA ID NY0801739
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20