3960 Upper Swale Rd, Cameron, NY 14819 Property Records

Steuben County and Cameron Town property record for 3960 Upper Swale Rd, Cameron, NY 14819

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 4,500 sqft · built 2020
Lot Size	221 acres (9,635,472 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Aug 2019)
Tax Bill	$10,833 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Sep 2021 Line of Credit + 3 more
APN	`0003816-000`

Property Details

APN / Parcel Number

Primary APN	`0003816-000`
Alternative APNs	`462800 254.00-03-024.200` `28002540000003024200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	4,500 sqft Living Area
1st Floor Area	2,925 sqft
2nd Floor Area	1,575 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	9,635,472 sqft (221 acres)
Porch	Slab
Porch Area	321 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

Account Number	0003816-000
Street Address	3960 UPPER SWALE RD
City	CAMERON
State	NY
Zip	14819-9757
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N00
Legal Block	3
Legal Lot Number	24.200
Jurisdiction	STEUBEN NY
Township / Civil Division	CAMERON
Census Block Group	2
Census Block	2061
Census Tract	961800

Owner

Source: Steuben County and Cameron Town records, as of September 23, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3960 UPPER SWALE RD, CAMERON, NY 14819-9757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Deed of Trust, Mortgage · Line of Credit FIRST HERITAGE FEDERAL CREDIT UNION
Sep 20, 2021	Deed of Trust, Mortgage · Line of Credit FIRST HERITAGE FEDERAL CREDIT UNION
Aug 15, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage MAPLE CITY SAVINGS BANK FSB
Aug 15, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage MAPLE CITY SAVINGS BANK FSB
Mar 8, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2019 · Amount on Record
Deed Sale	Aug 15, 2019 · Amount on Record
Deed Book / Page	2782 / 176
Prior Transfer Date	Dec 27, 2016
Prior Transfer Doc	002698/185
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Property Address	3960 UPPER SWALE RD, CAMERON, NY 14819-9757
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004907/69
Date	Sep 30, 2022
Book Page	4907/69

Lender

Name	FIRST HERITAGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2037

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Property Address	3960 UPPER SWALE RD, CAMERON, NY 14819-9757
Transaction Type	Mortgage
Record Updated	May 30, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004751/45
Date	Sep 20, 2021
Book Page	4751/45

Lender

Name	FIRST HERITAGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

Interest

Rate Type	Adjustable Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEUBEN NY
Recording Date	Aug 15, 2019
Property Address	3960 UPPER SWALE RD, CAMERON, NY 14819-9757
Document Number	002782/176
Book / Page	2782 / 176
Instrument Date	Aug 6, 2019
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1876 SANDERS RIDGE RD, COLUMBIA, KY 42728-9135

Mortgage

Document Number	0004436142
Date	Aug 15, 2019
Instrument	4436/142

Lender

Name	MAPLE CITY SAVINGS BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEUBEN NY
Recording Date	Aug 15, 2019
Property Address	3960 UPPER SWALE RD, CAMERON, NY 14819-9757
Document Number	002782/170
Book / Page	2782 / 170
Instrument Date	Aug 2, 2019
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002782/176
Date	Aug 15, 2019
Book Page	2782/176

Lender

Name	MAPLE CITY SAVINGS BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEUBEN NY
Recording Date	Mar 8, 2018
Property Address	3960 UPPER SWALE RD, CAMERON, NY 14819-9757
Document Number	002698/185
Book / Page	2698 / 185
Instrument Date	Dec 27, 2016
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1481 BEECH ST, HORNELL, NY 14843-9404

Tax Assessment & Valuation

Source: Steuben County and Cameron Town assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	New York
County	Steuben County
County Subdivision	Cameron Town
Unified School District	Jasper-Troupsburg Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,833.00 (+23.74%)
2025	$8,755.00	$518,300 (-) Land $262,300 Building $256,000	$569,560 (+9.89%) Land $288,242 Building $281,318
2023		$518,300 Land $262,300 Building $256,000	$518,300 Land $262,300 Building $256,000

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

Flood

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

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

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

Cell Coverage

No cell data coverage reported

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