Chenango County and Oxford Town property record for 409 Mertz Rd, Bainbridge, NY 13733
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,248 sqft · built 2022 |
| Lot Size | 70 acres (3,049,200 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,961 (2026) |
| Deeds & Mortgages | Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 084689 242.-1-5.1 |
| Primary APN | 084689 242.-1-5.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 624 sqft |
| 2nd Floor Area | 624 sqft |
| Upper Floors Area | 1,224 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Rustic |
| Exterior Material | Wood |
| Lot Area | 3,049,200 sqft (70 acres) |
| Porch | Porch |
| Porch Area | 592 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 1411179 |
|---|---|
| Street Address | 409 MERTZ RD |
| City | BAINBRIDGE |
| State | NY |
| Zip | 13733-3159 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 1 |
| Legal Lot Number | 5.100 |
| Jurisdiction | CHENANGO NY |
| Township / Civil Division | OXFORD |
| Census Block Group | 1 |
| Census Block | 1054 |
| Census Tract | 970801 |
Source: Chenango County and Oxford 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 | 439 MERTZ RD, BAINBRIDGE, NY 13733-3159 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHENANGO NY |
| Property Address | 409 MERTZ RD, BAINBRIDGE, NY 13733-3159 |
| Document Number | 00000M2295 |
| Instrument Date | Nov 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2018 |
| Name | Verified Name |
|---|---|
| Address | 409 MERTZ RD BAINBRIDGE NY 137333159, BAINBRIDGE, NY 13733-3159 |
| Document Number | 00000M2295 |
|---|---|
| Date | Nov 20, 2018 |
| Instrument | M2295 |
| Name | SIDNEY FCU |
|---|---|
| Type | Credit Union |
| Address | SIDNEY, NY 13838 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Chenango County and Oxford Town assessment roll, as of May 12, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Chenango County |
| County Subdivision | Oxford Town |
| Unified School District | Bainbridge-Guilford Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,961.00 (-25.21%) Homeowner's exemption | ||
| 2025 | $6,633.00 | $67,700 (-) Land $35,400 Building $32,300 | $182,973 (+20.76%) Land $95,676 Building $87,297 |
| 2023 | $67,700 Land $35,400 Building $32,300 | $151,522 Land $79,230 Building $72,292 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 6 (1996–2011) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
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.
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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Frontier DSL | 10 / 1 |
4G LTE (outdoors only), no 5G reported
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