228 Main St, Windsor, NY 13865 Property Records

Broome County and Windsor Town property record for 228 Main St, Windsor, NY 13865

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,400 sqft · built 1900
Lot Size	1.91 acres (83,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Aug 2022)
Tax Bill	$4,831 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Aug 2022 Sale + 1 more
APN	`035001 166.19-1-10.1`

Property Details

APN / Parcel Number

Primary APN	`035001 166.19-1-10.1`
Alternative APNs	`03500116601900010100000000` `50000100100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	800 sqft
Upper Floors Area	600 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	83,200 sqft (1.91 acres)
Garage Type	Detached
Garage Area	850 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	338 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	50000100100
Street Address	228 MAIN ST
City	WINDSOR
State	NY
Zip	13865-4133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	10.001
Jurisdiction	BROOME NY
Township / Civil Division	WINDSOR
Census Block Group	2
Census Block	2083
Census Tract	12501

Owner

Source: Broome County and Windsor 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	2 Individual Names on Record
Mailing Address	228 MAIN ST, WINDSOR, NY 13865-4133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
Aug 16, 2022	Deed, Transfer
Nov 15, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2022 · Amount on Record
Deed Sale	Aug 16, 2022 · Amount on Record
Deed Document Number	202221570
Deed Book / Page	2698 / 645
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BROOME NY
Property Address	228 MAIN ST, WINDSOR, NY 13865-4133
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 MAIN ST, WINDSOR, NY 13865-4133

Mortgage

Document Number	M4229/1442
Date	Sep 22, 2025
Book Page	M4229/1442
Instrument	202500024834

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BROOME NY
Recording Date	Aug 16, 2022
Property Address	228 MAIN ST, WINDSOR, NY 13865-4133
Document Number	002698/645
Book / Page	2698 / 645
Instrument Date	Aug 10, 2022
Instrument	202200021570
Transaction Type	Transfer
Record Updated	Feb 8, 2024

Transaction

Amount	Amount Recorded
Tax	$900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	228 MAIN ST, WINDSOR, NY 13865-4133

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	66 PINE ALY, SYKESVILLE, PA 15865

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BROOME NY
Property Address	228 MAIN ST, VESTAL, NY 13850
Document Number	0038910921
Instrument Date	Nov 15, 2018
Transaction Type	Mortgage
Record Updated	Mar 11, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 MAIN ST WINDSOR NY 138654133, WINDSOR, NY 13865-4133

Mortgage

Document Number	0038910921
Date	Nov 21, 2018
Book Page	003891/000921
Instrument	29941

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 20, 2033

Tax Assessment & Valuation

Source: Broome County and Windsor Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Broome County
County Subdivision	Windsor Town
Municipality	Windsor Village
Unified School District	Windsor Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,831.00 (-19.4%)
2025	$5,994.00 (+3.9%)	$95,000 (-) Land $16,900 Building $78,100	$223,500 (+22.34%) Land $39,759 Building $183,741
2024	$5,769.00
2023		$95,000 Land $16,900 Building $78,100	$182,692 Land $32,500 Building $150,192

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 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

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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Adams CATV Cable	2,000 / 40
TDS Telecom Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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