Otsego County and Cherry Valley Town property record for 38 Main St, Cherry Valley, NY 13320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,704 sqft · built 1830 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,500 (Mar 2026) |
| Tax Bill | $1,987 (2026) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Jul 2021 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 362401 58.14-1-29.00 |
| Primary APN | 362401 58.14-1-29.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,704 sqft Living Area |
| 1st Floor Area | 960 sqft |
| 2nd Floor Area | 744 sqft |
| Year Built | Built 1830 |
|---|---|
| Effective Year Built | Effective 1830 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 2,614 sqft (0.06 acres) |
| Lot Dimensions | 77 ft deep x 30 ft wide |
| Garage Type | Detached |
| Garage Area | 180 sqft |
| Porch | Slab |
| Porch Area | 175 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 034200 |
|---|---|
| Street Address | 38 MAIN ST |
| City | CHERRY VALLEY |
| State | NY |
| Zip | 13320-3735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 002 0 0 |
| Legal Block | 1 |
| Legal Lot Number | 29.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | CHERRY VALLEY |
| Census Block Group | 3 |
| Census Block | 3045 |
| Census Tract | 590101 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Cherry Valley Village Historic District listed 1988 · 232 contributing resources · NRIS 88000472 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
38 Main St is owned by an individual who bought it in March 2026.
Source: Otsego County and Cherry Valley Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 110 RUTLEDGE ST, SYRACUSE, NY 13219-2930 |
| 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.
| Date | Document |
|---|---|
| Mar 25, 2026 | Warranty Deed, Transfer · Conventional Mortgage NBT BANK NATIONAL ASSOCIATION |
| Jul 7, 2021 | Warranty Deed, Transfer |
| Aug 27, 2018 | Grant Deed, Transfer |
| Mar 21, 2018 | Grant Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 25, 2026 · Amount on File |
| Deed Sale | Mar 25, 2026 · Amount on File |
| Prior Sale | Jul 7, 2021 · Amount on File |
| Prior Transfer Date | Dec 26, 2024 |
| Prior Transfer Doc | 0000000191 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Mar 25, 2026 |
| Property Address | 38 MAIN ST, CHERRY VALLEY, NY 13320-3735 |
| Document Number | 0000000468 |
| Instrument Date | Mar 17, 2026 |
| Instrument | 2026-1468 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2026 |
| 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 |
|---|---|
| Address | 110 RUTLEDGE ST, SYRACUSE, NY 13219-2930 |
| Document Number | 0000000469 |
|---|---|
| Date | Mar 25, 2026 |
| Instrument | 2026-1469 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Jul 7, 2021 |
| Property Address | 38 MAIN ST, CHERRY VALLEY, NY 13320-3735 |
| Document Number | 0000000771 |
| Instrument Date | May 27, 2021 |
| Instrument | 2021-3771 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 151 LIPPITT DEVELOPMENT RD, COOPERSTOWN, NY 13326-4232 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Aug 27, 2018 |
| Property Address | 38 MAIN ST, CHERRY VALLEY, NY 13320-3735 |
| Document Number | 0000003973 |
| Instrument Date | May 30, 2018 |
| Instrument | 3973 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2018 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 HILL ST COOPERSTOWN NY 133261012, COOPERSTOWN, NY 13326-1012 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Mar 21, 2018 |
| Property Address | 38 MAIN ST, CHERRY VALLEY, NY 13320-3735 |
| Document Number | 0000001227 |
| Instrument Date | Mar 19, 2018 |
| Instrument | 1227 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 HILL ST COOPERSTOWN NY 133261012, COOPERSTOWN, NY 13326-1012 |
The 2026 property tax bill for 38 Main St was $1,987, down 8.4% from the year before.
Source: Otsego County and Cherry Valley Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| County Subdivision | Cherry Valley Town |
| Municipality | Cherry Valley Village |
| Unified School District | Cherry Valley-Springfield Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,987.00 (-8.39%) | ||
| 2025 | $2,169.00 | $64,410 Land $4,600 Building $59,810 | $92,014 Land $6,571 Building $85,443 |
| 2023 | $64,410 Land $4,600 Building $59,810 | $77,752 Land $5,553 Building $72,199 |
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 38 Main St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 20, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
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 38 Main 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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHERRY VALLEY VILLAGE serves 620 people · EPA ID NY3800144 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2022 |
| Lead | 4 ppb (2020–2022) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 125 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 |
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