286 Main St, Cold Brook, NY 13324 Property Records

Herkimer County and Russia Town property record for 286 Main St, Cold Brook, NY 13324 · Last verified August 2026

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,812 sqft · built 1880
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Nov 2020)
Tax Bill	$1,702 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Nov 2020 Sale & Mortgage + 1 more
APN	`214401 088.44-1-15.1`

Property Details

APN / Parcel Number

Primary APN	`214401 088.44-1-15.1`
Alternative APN	`440108804400010151000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,812 sqft Total Area
1st Floor Area	1,306 sqft
Upper Floors Area	506 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	21,780 sqft (0.5 acres)
Lot Width	135 ft Width
Porch	Slab
Porch Area	448 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	286 MAIN ST
City	COLD BROOK
State	NY
Zip	13324-1702
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	1
Legal Lot Number	15.100
Jurisdiction	HERKIMER NY
Township / Civil Division	RUSSIA
Census Block Group	1
Census Block	1002
Census Tract	11503

Owner

Source: Herkimer County and Russia Town records · APN 214401 088.44-1-15.1

Assessment roll updated May 1, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	292 MAIN ST, COLD BROOK, NY 13324-1702
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2018	Deed of Trust, Mortgage COMMUNITY BANK NA
Nov 16, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage GPO FCU
May 31, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 16, 2020 · Amount on Record
Deed Sale	Nov 16, 2020 · Amount on Record
Prior Sale	May 31, 2019 · Amount on Record
Deed Document Number	20205191
Prior Transfer Date	Jul 22, 2004
Prior Transfer Doc	0942000133
Record Updated	Sep 20, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERKIMER NY
Property Address	286 MAIN ST, COLD BROOK, NY 13324-1702
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	RP20184498
Date	Sep 21, 2018
Instrument	RP2018-4498

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	352 Months
Due	Jan 01, 2048

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERKIMER NY
Recording Date	Nov 16, 2020
Property Address	286 MAIN ST, COLD BROOK, NY 13324-1702
Document Number	0020205191
Instrument Date	Nov 07, 2020
Instrument	2020-5191
Transaction Type	Transfer
Record Updated	Apr 26, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	MAIN ST, COLD BROOK, NY 13324

Mortgage

Document Number	0020205192
Date	Nov 16, 2020
Instrument	2020-5192

Lender

Name	GPO FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 01, 2045

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERKIMER NY
Recording Date	May 31, 2019
Property Address	286 MAIN ST, COLD BROOK, NY 13324-1702
Document Number	0020192262
Instrument Date	May 21, 2019
Instrument	2019-2262
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 COLD BROOK ST, POLAND, NY 13431-2321

Mortgage

Document Number	0020192263
Date	May 31, 2019
Instrument	2019-2263

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

Tax Assessment & Valuation

Source: Herkimer County and Russia Town records · Assessment roll updated May 1, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	New York
County	Herkimer County
County Subdivision	Russia Town
Municipality	Cold Brook Village
Unified School District	Poland Central School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,702.00 (+0.29%)	$73,000 (-) Land $10,000 Building $63,000	$101,530 (+4.31%) Land $13,908 Building $87,622
2023		$73,000 Land $10,000 Building $63,000	$97,333 Land $13,333 Building $84,000
2020	$1,697.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360430115031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (2019–2026)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2026, river or lake flooding
Claims By Storm	Severe Storms, Straight-line Winds, And Flooding, Nov 2019 · 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 23 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
The Middleburgh Telephone Company	Fiber	500 / 100

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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