Delaware County and Colchester Town property record for 322 Island Rd, Downsville, NY 13755
| Property Type | Seasonal / Vacation Home |
|---|---|
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $366,000 (Aug 2021) |
| Tax Bill | $2,087 (2026) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Nov 2017 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 122400 391.-1-13 |
| Primary APN | 122400 391.-1-13 |
|---|---|
| Alternative APNs |
|
| Lot Area | 52,272 sqft (1.2 acres) |
|---|
| Account Number | 05601173009 |
|---|---|
| Street Address | 322 ISLAND RD |
| City | DOWNSVILLE |
| State | NY |
| Zip | 13755 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | GL#35 DIV 16 FRANK TOMPKINS |
| Legal Block | 1 |
| Legal Lot Number | 13.000 |
| Jurisdiction | DELAWARE NY |
| Township / Civil Division | COLCHESTER |
| Census Block Group | 1 |
| Census Block | 1084 |
| Census Tract | 971300 |
322 Island Rd, a residential property, is owned by two individuals who bought it in August 2021.
Source: Delaware County and Colchester Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 412 PUTNAM AVE, 1, BROOKLYN, NY 11216-2044 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 6, 2021 | Deed, Transfer · Stand-Alone First Mortgage DELAWARE NATIONAL BANK |
| Nov 13, 2017 | Deed of Trust, Mortgage JP MORGAN CHASE BANK |
| Nov 13, 2017 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2021 · Amount on File |
| Deed Sale | Aug 6, 2021 · Amount on File |
| Prior Sale | Nov 13, 2017 · Amount on File |
| Deed Document Number | 20215847 |
| Deed Book / Page | 1679 / 92 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DELAWARE NY |
| Recording Date | Aug 6, 2021 |
| Property Address | 322 ISLAND RD, DOWNSVILLE, NY 13755 |
| Document Number | 1679/92 |
| Book / Page | 1679 / 92 |
| Instrument Date | Aug 5, 2021 |
| Instrument | 5847 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 412 PUTNAM AVE APT 1, 1, BROOKLYN, NY 11216-2044 |
| Document Number | 5848 |
|---|---|
| Date | Aug 6, 2021 |
| Instrument | 5848 |
| Name | DELAWARE NATIONAL BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE NY |
| Property Address | 322 ISLAND RD, DOWNSVILLE, NY 13755 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002109/0000000248 |
|---|---|
| Date | Nov 13, 2017 |
| Book Page | 0000002109/0000000248 |
| Instrument | 000000008258 |
| Name | JP MORGAN CHASE BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 350 Months |
| Due | Jan 1, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DELAWARE NY |
| Recording Date | Nov 13, 2017 |
| Property Address | 322 ISLAND RD, DOWNSVILLE, NY 13755 |
| Document Number | 001539/246 |
| Book / Page | 1539 / 246 |
| Instrument Date | Oct 31, 2017 |
| Instrument | 000000008257 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 STILES ST, SEWAREN, NJ 07077-1016 |
The 2026 property tax bill for 322 Island Rd was $2,087, up 0.2% from the year before.
Source: Delaware County and Colchester Town assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Delaware County |
| County Subdivision | Colchester Town |
| Unified School District | Downsville Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,087.00 (+0.24%) | ||
| 2025 | $2,082.00 | $3,200 Land $500 Building $2,700 | $80,000 Land $12,500 Building $67,500 |
| 2023 | $3,200 Land $500 Building $2,700 | $80,000 Land $12,500 Building $67,500 | |
| 2020 | $1,973.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 322 Island Rd in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 13, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 322 Island Rd 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.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| MTC Cable Fiber | 1,000 / 1,000 |
| Frontier Fiber | 1,000 / 1,000 |
No cell data coverage reported
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