2487 River Rd, Downsville, NY 13755 Property Records

Delaware County and Colchester Town property record for 2487 River Rd, Downsville, NY 13755

Property Summary

Property Type	Single Family Home
Lot Size	5.28 acres (229,997 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Oct 2023)
Tax Bill	$848 (2026)
Deeds & Mortgages	Feb 2023 Refinance Oct 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`122400 392.-2-24`

Property Details

APN / Parcel Number

Primary APN	`122400 392.-2-24`
Alternative APNs	`24003920000002024000` `122400 392.-2-24.11` `122400 392.-2-24.1` `05600109009`

Exterior

Lot Area	229,997 sqft (5.28 acres)

Location & Zoning

Street Address	2487 RIVER RD
City	DOWNSVILLE
State	NY
Zip	13755-3401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GL#36 LOT 11
Legal Block	2
Legal Lot Number	24.110
Jurisdiction	DELAWARE NY
Township / Civil Division	COLCHESTER
Census Block Group	1
Census Block	1055
Census Tract	971300

Owner

Source: Delaware County and Colchester 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	406 S 5TH ST, 2, BROOKLYN, NY 11211-7419
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance PATRICIA A DERODA
Oct 31, 2023	Deed, Transfer · Stand-Alone First Mortgage WAYNE BANK
Oct 31, 2023	Deed, Transfer · Stand-Alone First Mortgage WAYNE BANK
Apr 9, 2018	Deed of Trust, Mortgage QUICKEN LOAN INC
Jun 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Feb 21, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Prior Sale	Aug 22, 2014 · Amount on Record
Deed Book / Page	1766 / 46
Prior Transfer Date	Feb 16, 2023
Prior Transfer Doc	0001742/42
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE NY
Property Address	2487 RIVER RD, DOWNSVILLE, NY 13755-3401
Transaction Type	Mortgage
Record Updated	Mar 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002424/190
Date	Feb 21, 2023
Book Page	2424/190
Instrument	1199

Lender

Name	PATRICIA A DERODA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	DELAWARE NY
Recording Date	Oct 31, 2023
Property Address	2487 RIVER RD, DOWNSVILLE, NY 13755-3401
Document Number	0001766/46
Book / Page	1766 / 46
Instrument Date	Oct 16, 2023
Instrument	6866
Transaction Type	Transfer
Record Updated	Nov 21, 2023

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	406 S 5TH ST, BROOKLYN, NY 11211-7419

Mortgage

Document Number	0000006867
Date	Oct 31, 2023
Instrument	6867

Lender

Name	WAYNE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.8%
Type Change Date	Nov 1, 2028
Max Rate At Change	2.8%
Index	1-Year CMT

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	DELAWARE NY
Recording Date	Oct 31, 2023
Property Address	2487 RIVER RD, DOWNSVILLE, NY 13755-3401
Document Number	0001766/46
Book / Page	1766 / 46
Instrument Date	Oct 16, 2023
Instrument	6866
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	406 S 5TH ST, BROOKLYN, NY 11211-7419

Mortgage

Document Number	0000006867
Date	Oct 31, 2023
Instrument	6867

Lender

Name	WAYNE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.8%
Type Change Date	Nov 1, 2028
Max Rate At Change	2.8%
Index	1-Year CMT

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE NY
Property Address	2487 RIVER RD, DOWNSVILLE, NY 13755-3401
Transaction Type	Mortgage
Record Updated	Mar 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002128/0000000034
Date	Apr 9, 2018
Book Page	0000002128/0000000034
Instrument	000000003439

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Amount	Amount Recorded
Term	177 Months
Due	Jan 1, 2033

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE NY
Property Address	2487 RIVER RD, DOWNSVILLE, NY 13755-3401
Transaction Type	Mortgage
Record Updated	Mar 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002237/111
Date	Jun 15, 2020
Book Page	2237/111
Instrument	3686

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	145 Months
Due	Jul 1, 2032

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	DELAWARE NY
Recording Date	Feb 21, 2023
Property Address	2487 RIVER RD, DOWNSVILLE, NY 13755-3401
Document Number	0001742/42
Book / Page	1742 / 42
Instrument Date	Feb 16, 2023
Instrument	1198
Transaction Type	Transfer
Record Updated	Mar 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 SEARLES HILL RD, BAINBRIDGE, NY 13733-2103

Tax Assessment & Valuation

Source: Delaware County and Colchester Town assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	New York
County	Delaware County
County Subdivision	Colchester Town
Unified School District	Downsville Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$848.00 (-68.96%)
2025	$2,732.00	$4,200 (+10.53%) Land $500 Building $3,700	$105,000 (+10.53%) Land $12,500 Building $92,500
2023		$3,800 (-) Land $800 Building $3,000	$95,000 (-) Land $20,000 Building $75,000
2022		$3,800 Land $800 Building $3,000	$95,000 Land $20,000 Building $75,000
2020	$2,187.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 13, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 33 policies
Nearby Flood Policies	33 in force
Nearby Flood Claims	55 (1978–2017)
Claims Outside the SFHA	23 of 55
Most Recent Claim	May 2017 · rainfall accumulation
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 3 claims Severe Storms And Flooding, Jun 2006 · 31 claims Tropical Depression Ivan, Sep 2004 · 9 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 93% of the US · lower than 89% of New York
Wildfire Likelihood	Under 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 5 locations within half a mile, as of December 31, 2025

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

Cell Coverage

No cell data coverage reported

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