3830 Rte 305, Cuba, NY 14727 Property Records

Allegany County and Clarksville Town property record for 3830 Rte 305, Cuba, NY 14727

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,499 sqft · built 1985
Lot Size	11.8 acres (516,622 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (Jun 2010)
Tax Bill	$5,143 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Feb 2020 Mortgage
APN	`024600 206.-1-5.1`

Property Details

APN / Parcel Number

Primary APN	`024600 206.-1-5.1`
Alternative APNs	`460020600000010050010000` `00000000099`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,499 sqft Living Area
1st Floor Area	780 sqft
2nd Floor Area	375 sqft
Upper Floors Area	344 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	516,622 sqft (11.8 acres)
Garage Type	Detached
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Shed	1 Shed
Canopy	544 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000000099
Street Address	3830 ROUTE 305
City	CUBA
State	NY
Zip	14727-9301
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 32
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	1
Legal Lot Number	5.001
Jurisdiction	ALLEGANY NY
Township / Civil Division	CLARKSVILLE
Census Block Group	4
Census Block	4011
Census Tract	950500

Owner

3830 Rte 305, a rural home, is owned and occupied by an individual who bought it in June 2010.

Source: Allegany County and Clarksville Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	3830 ROUTE 305, CUBA, NY 14727-9301
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage UNION FEDERAL CREDIT UNION
Feb 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage OLEAN AREA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2010 · Amount on File
Deed Sale	Jun 11, 2010 · Amount on File
Prior Sale	Jun 11, 2010 · Amount on File
Deed Document Number	201043552
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY NY
Recording Date	Jul 7, 2026
Property Address	3830 ROUTE 305, CUBA, NY 14727-9301
Document Number	0000068905
Instrument Date	Jul 1, 2026
Instrument	202668905
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3830 ROUTE 305, CUBA, NY 14727-9301

Mortgage

Document Number	0000068905,
Date	Jul 7, 2026
Instrument	202668905

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Amount	Amount on Record
Term	60 Months
Due	Aug 1, 2031

Interest

Rate	6.48%
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY NY
Property Address	3830 ROUTE 305, CUBA, NY 14727-9301
Document Number	0000006427
Instrument Date	Feb 3, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	ALLEGANY ABSTRACT COMPANY, ALLEGANY ABS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3830 ROUTE 305 CUBA NY 147279301, CUBA, NY 14727-9301

Mortgage

Document Number	0000006427
Date	Feb 10, 2020
Instrument	6427

Lender

Name	OLEAN AREA FCU
Type	Credit Union
Address	OLEAN, NY 14760

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	204 Months
Due	Feb 9, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 3830 Rte 305 was $5,143 with a homeowner's exemption, up 148% from the year before.

Source: Allegany County and Clarksville Town assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Allegany County
County Subdivision	Clarksville Town
Unified School District	Cuba-Rushford Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,143.00 (+147.97%) Homeowner's exemption
2025	$2,074.00	$100,800 Land $12,500 Building $88,300	$193,846 Land $24,038 Building $169,808
2023		$70,000 Land $12,500 Building $57,500	$112,903 Land $20,161 Building $92,742

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

Flood

FEMA has no flood map on file for 3830 Rte 305; 2 flood insurance policies are in force nearby.

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	2 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

Wildfire risk around 3830 Rte 305 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Rte 305

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