251 Decker Rd, Lowman, NY 14861 Property Records

Chemung County and Baldwin Town property record for 251 Decker Rd, Lowman, NY 14861

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,870 sqft · built 2004
Lot Size	1.99 acres (86,684 sqft)
Owner	2 Individual Names on Record
Last Sale	$189,000 (Feb 2020)
Tax Bill	$3,781 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Feb 2020 Sale + 1 more
APN	`072200 102.00-1-31.2`

Property Details

APN / Parcel Number

Primary APN	`072200 102.00-1-31.2`
Alternative APNs	`220010200000010310020000` `00151002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,870 sqft Living Area
1st Floor Area	980 sqft
2nd Floor Area	890 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	86,684 sqft (1.99 acres)
Lot Dimensions	415 ft deep x 210 ft wide
Garage Type	Detached
Garage Area	988 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00151002
Street Address	251 DECKER RD
City	LOWMAN
State	NY
Zip	14861-8965
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	REPLACEMENT HOME 50% MAR0 AFTER FIRE 03
Legal Block	1
Legal Lot Number	31.002
Jurisdiction	CHEMUNG NY
Township / Civil Division	BALDWIN
Census Block Group	3
Census Block	3050
Census Tract	11000

Owner

Source: Chemung County and Baldwin Town records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	251 DECKER RD, LOWMAN, NY 14861-8965
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Deed of Trust, Mortgage · Line of Credit CORNING FCU
Feb 17, 2020	Deed, Transfer
Feb 7, 2020	Executor's Deed, Transfer · Stand-Alone First Mortgage CORNING FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2020 · Amount on Record
Deed Sale	Feb 17, 2020 · Amount on Record
Prior Sale	Feb 7, 2020 · Amount on Record
Deed Book / Page	20200 / 2503
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEMUNG NY
Property Address	251 DECKER RD, LOWMAN, NY 14861-8965
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202603658
Date	Mar 17, 2026
Instrument	202603658

Lender

Name	CORNING FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	97 Months
Due	Apr 1, 2034

Interest

Rate Type	Adjustable Rate

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CHEMUNG NY
Recording Date	Feb 17, 2020
Property Address	251 DECKER RD, LOWMAN, NY 14861-8965
Document Number	20200/2503
Book / Page	20200 / 2503
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount Recorded
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
Address	251 DECKER RD, LOWMAN, NY 14861-8965

February 2020: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	CHEMUNG NY
Recording Date	Feb 7, 2020
Property Address	251 DECKER RD, LOWMAN, NY 14861-8965
Document Number	0202002503
Instrument Date	Jan 28, 2020
Instrument	202002503
Transaction Type	Transfer
Record Updated	Apr 16, 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 with Right of Survivorship
Address	638 NEWTOWN ST, ELMIRA, NY 14904-2109

Mortgage

Document Number	0202002505
Date	Feb 7, 2020
Instrument	202002505

Lender

Name	CORNING FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Chemung County and Baldwin Town assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	New York
County	Chemung County
County Subdivision	Baldwin Town
Unified School District	Elmira City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,781.00 (+0.8%)
2025	$3,751.00	$1,740 (-) Land $350 Building $1,390	$148,700 (+10.24%) Land $29,911 Building $118,789
2023		$1,740 Land $350 Building $1,390	$134,884 Land $27,132 Building $107,752

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jan 1978 · rainfall accumulation

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

Provider	Max Down / Up (Mbps)
Haefele Connect Fiber	1,000 / 25
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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