4140 E Valley Rd, Andover, NY 14806 Property Records

Allegany County and Andover Town property record for 4140 E Valley Rd, Andover, NY 14806

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,248 sqft · built 2021
Lot Size	51.8 acres (2,256,408 sqft)
Owner	Individual Name on Record
Tax Bill	$5,204 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2017 Transfer + 1 more
APN	`023089 203.-1-17`

Property Details

APN / Parcel Number

Primary APN	`023089 203.-1-17`
Alternative APNs	`308920300000010170000000` `00000000680`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	2,256,408 sqft (51.8 acres)
Garage Type	Detached
Garage Area	672 sqft

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	615 sqft
Porch	Slab
Shed	1 Shed
Canopy	520 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Wood
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000000680
Street Address	4140 E VALLEY RD
City	ANDOVER
State	NY
Zip	14806-9414
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	GL 86
Legal Block	1
Legal Lot Number	17.000
Jurisdiction	ALLEGANY NY
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1037
Census Tract	950900

Owner

Source: Allegany County and Andover 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	Individual Name on Record
Mailing Address	2295 COUNTY ROUTE 60, ANDOVER, NY 14806-9548
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Deed of Trust, Mortgage · ARM CITIZENS & NORTHERN BANK
Aug 9, 2017	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 9, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY NY
Property Address	4140 E VALLEY RD, ANDOVER, NY 14806-9414
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3084
Date	Apr 20, 2021
Instrument	2021-13084

Lender

Name	CITIZENS & NORTHERN BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	373 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Mar 1, 2032
Index	1-Year LIBOR
Margin	3

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGANY NY
Recording Date	Aug 9, 2017
Property Address	4140 E VALLEY RD, ANDOVER, NY 14806-9414
Document Number	0000091679
Instrument Date	Jun 26, 2017
Instrument	91679
Transaction Type	Transfer
Record Updated	Nov 27, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2295 COUNTY ROUTE 60 ANDOVER NY 148069548, ANDOVER, NY 14806-9548

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGANY NY
Recording Date	Aug 9, 2017
Property Address	4140 E VALLEY RD, ANDOVER, NY 14806-9414
Document Number	0000091679
Instrument Date	Jun 26, 2017
Instrument	91679
Transaction Type	Transfer
Record Updated	Aug 18, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2295 COUNTY ROUTE 60 ANDOVER NY 148069548, ANDOVER, NY 14806-9548

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,204.00 (-0.33%)
2025	$5,221.00	$155,700 (+5.99%) Land $61,800 Building $93,900	$160,500 (-16.97%) Land $63,705 Building $96,795
2023		$146,900 Land $51,300 Building $95,600	$193,300 Land $67,504 Building $125,796

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
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	5 (1984–1996)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jan 1996 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 1996 · 3 claims

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 6 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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