31 Thomas St, Chatham, NY 12037 Property Records

Columbia County and Ghent Town property record for 31 Thomas St, Chatham, NY 12037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,280 sqft · built 1900
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Jul 2026)
Tax Bill	$3,559 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2023 Refinance + 1 more
APN	`103801 66.10-3-24`

Property Details

APN / Parcel Number

Primary APN	`103801 66.10-3-24`
Alternative APN	`380106601000030240000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,280 sqft Living Area
1st Floor Area	800 sqft
2nd Floor Area	480 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	255 ft deep x 78 ft wide
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	712 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	31 THOMAS ST
City	CHATHAM
State	NY
Zip	12037-1120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	05 - COMME
Legal Block	3
Legal Lot Number	24.000
Jurisdiction	COLUMBIA NY
Township / Civil Division	GHENT
Census Block Group	3
Census Block	3003
Census Tract	700

Owner

31 Thomas St is owned and occupied by an individual who bought it in July 2026.

Source: Columbia County and Ghent Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	31 THOMAS ST, CHATHAM, NY 12037-1120
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORPORATION
Jun 8, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WALLKILL VALLEY FSLA
Mar 25, 2022	Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2026 · Amount on File
Deed Sale	Jul 14, 2026 · Amount on File
Prior Sale	Mar 25, 2022 · Amount on File
Deed Document Number	20266402
Deed Book / Page	1032 / 1860
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	COLUMBIA NY
Recording Date	Jul 14, 2026
Property Address	31 THOMAS ST, CHATHAM, NY 12037-1120
Document Number	0000006402
Book / Page	1032 / 1860
Instrument Date	Jun 25, 2026
Instrument	20266402
Transaction Type	Transfer
Record Updated	Aug 5, 2026

Transaction

Amount	Amount on Record
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
Address	31 THOMAS ST, CHATHAM, NY 12037-1120

Mortgage

Date	Jul 14, 2026

Lender

Name	HOMESTEAD FUNDING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.53%
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA NY
Property Address	31 THOMAS ST, CHATHAM, NY 12037-1120
Transaction Type	Mortgage
Record Updated	Jun 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004846
Date	Jun 8, 2023
Book Page	981/1175
Instrument	20230004846

Lender

Name	WALLKILL VALLEY FSLA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2048

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	COLUMBIA NY
Recording Date	Mar 25, 2022
Property Address	31 THOMAS ST, CHATHAM, NY 12037-1120
Document Number	0000003163
Book / Page	958 / 629
Instrument Date	Mar 24, 2022
Instrument	20220003163
Transaction Type	Transfer
Record Updated	Apr 19, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount 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	12 17TH ST, NORWOOD, NJ 07648-1416

Tax Assessment & Valuation

The 2026 property tax bill for 31 Thomas St was $3,559, up 1.9% from the year before.

Source: Columbia County and Ghent Town assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Columbia County
County Subdivision	Ghent Town
Municipality	Chatham Village
Unified School District	Chatham Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,559.00 (+1.92%)
2025	$3,492.00	$170,500 Land $52,800 Building $117,700	$221,429 Land $68,572 Building $152,857
2023		$170,500 Land $52,800 Building $117,700	$179,474 Land $55,579 Building $123,895

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

FEMA has no flood map on file for 31 Thomas St; there have been 4 flood claims nearby since 2000.

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	4 (2000–2009)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jul 2009 · river or lake flooding

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

Wildfire risk around 31 Thomas St is low, with a 0.01% annual chance of 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHATHAM VILLAGE serves 2,156 people · EPA ID NY1000234
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 285 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Fidium Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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