232 Houck Dr, Bainbridge, NY 13733 Property Records

Chenango County and Bainbridge Town property record for 232 Houck Dr, Bainbridge, NY 13733

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,288 sqft · built 2018
Lot Size	4.53 acres (197,327 sqft)
Owner	2 Individual Names on Record
Last Sale	$13,500 (Oct 2018)
Tax Bill	$5,201 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Oct 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082289 276.-2-40`

Property Details

APN / Parcel Number

Primary APN	`082289 276.-2-40`
Alternative APN	`228927600000020400000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Lot Area	197,327 sqft (4.53 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	232 HOUCK DR
City	BAINBRIDGE
State	NY
Zip	13733-2217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	LOT 30 REF B814 P590
Legal Block	2
Legal Lot Number	40.000
Jurisdiction	CHENANGO NY
Township / Civil Division	BAINBRIDGE
Census Block Group	4
Census Block	4073
Census Tract	970801

Owner

Source: Chenango County and Bainbridge Town records, as of May 12, 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	232 HOUCK DR, BAINBRIDGE, NY 13733-2217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2018	Deed of Trust, Mortgage NBT BK
Oct 4, 2018	Grant Deed, Transfer
Oct 4, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2018 · Amount on Record
Deed Sale	Oct 4, 2018 · Amount on Record
Deed Document Number	20181492
Record Updated	Jun 8, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHENANGO NY
Property Address	232 HOUCK DR, BAINBRIDGE, NY 13733-2217
Document Number	000000M139
Instrument Date	Dec 28, 2018
Transaction Type	Mortgage
Record Updated	Apr 6, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 PROSPECT DR SIDNEY NY 138381445, SIDNEY, NY 13838-1445

Mortgage

Document Number	000000M139
Date	Jan 21, 2019
Instrument	M139

Lender

Name	NBT BK
Type	Bank
Address	NORWICH, NY 13815

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2049

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHENANGO NY
Recording Date	Oct 4, 2018
Property Address	232 HOUCK DR, BAINBRIDGE, NY 13733-2217
Document Number	0000001492
Instrument Date	Aug 24, 2018
Instrument	1492
Transaction Type	Transfer
Record Updated	Dec 4, 2018

Transaction

Amount	Amount Recorded
Tax	$54.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 PROSPECT DR SIDNEY NY 138381445, SIDNEY, NY 13838-1445

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHENANGO NY
Recording Date	Oct 4, 2018
Property Address	232 HOUCK DR, BAINBRIDGE, NY 13733-2217
Document Number	00000D1492
Instrument Date	Aug 17, 2018
Instrument	D1492
Transaction Type	Transfer
Record Updated	Nov 1, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3917 CORPORAL KENNEDY ST BAYSIDE NY 113611961, BAYSIDE, NY 11361-1961

Tax Assessment & Valuation

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
Unified School District	Bainbridge-Guilford Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,201.00	$131,300 (-) Land $26,300 Building $105,000	$193,088 (+17.65%) Land $38,676 Building $154,412
2023		$131,300 Land $26,300 Building $105,000	$164,125 Land $32,875 Building $131,250

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	22 (1994–2011)
Claims Outside the SFHA	7 of 22
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 13 claims Severe Storms And Flooding, Jun 2006 · 8 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 10 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

Cell Coverage

5G and 4G LTE (outdoors only)

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