420 Rte 8, Cold Brook, NY 13324 Property Records

Herkimer County and Russia Town property record for 420 Rte 8, Cold Brook, NY 13324

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,743 sqft · built 1916
Lot Size	1.25 acres (54,450 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jun 2026)
Tax Bill	$2,051 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2026 Sale & Mortgage + 2 more
APN	`214401 088.36-1-41`

Property Details

APN / Parcel Number

Primary APN	`214401 088.36-1-41`
Alternative APNs	`440108803600010410000000` `062001050`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,743 sqft Living Area
1st Floor Area	963 sqft
Upper Floors Area	780 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	54,450 sqft (1.25 acres)
Lot Dimensions	272 ft deep x 34 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	653 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	062001050
Street Address	420 ROUTE 8
City	COLD BROOK
State	NY
Zip	13324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	50
Legal Description	LOT 44 ROYAL GRANT HOUSE & GARAGE RTE 8
Legal Block	1
Legal Lot Number	41.000
Jurisdiction	HERKIMER NY
Township / Civil Division	RUSSIA
Census Block Group	1
Census Block	1002
Census Tract	11503

Owner

Source: Herkimer County and Russia 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	6570 IRISH RD, MARCY, NY 13403-2908
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage FIRST SOURCE FEDERAL CREDIT UNION
Jun 17, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE
Jun 17, 2026	Quit Claim Deed, Transfer Quitclaim
Sep 11, 2025	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2026 · Amount on Record
Deed Sale	Jun 17, 2026 · Amount on Record
Prior Sale	Sep 11, 2025 · Amount on Record
Deed Document Number	20262746
Prior Transfer Date	Jul 11, 2025
Prior Transfer Doc	RP20252953
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERKIMER NY
Recording Date	Aug 26, 2026
Property Address	420 ROUTE 8, COLD BROOK, NY 13324
Document Number	0000003947
Instrument Date	Aug 21, 2026
Instrument	20263947
Transaction Type	Mortgage
Record Updated	Sep 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003947,
Date	Aug 26, 2026
Instrument	20263947

Lender

Name	FIRST SOURCE FEDERAL CREDIT UNION

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERKIMER NY
Recording Date	Jun 17, 2026
Property Address	420 ROUTE 8, COLD BROOK, NY 13324
Document Number	0000002746
Instrument Date	Jun 10, 2026
Instrument	20262746
Transaction Type	Transfer
Record Updated	Jul 7, 2026

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6570 IRISH RD, MARCY, NY 13403-2908

Mortgage

Date	Jun 17, 2026

Lender

Name	MOVEMENT MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate	6.37%
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERKIMER NY
Recording Date	Jun 17, 2026
Property Address	420 ROUTE 8, COLD BROOK, NY 13324
Document Number	0000002745
Instrument Date	Jun 10, 2026
Instrument	20262745
Transaction Type	Transfer
Record Updated	Aug 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6570 IRISH RD, MARCY, NY 13403-2908

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	HERKIMER NY
Recording Date	Sep 11, 2025
Property Address	420 ROUTE 8, COLD BROOK, NY 13324
Document Number	RP20253862
Instrument Date	Aug 13, 2025
Instrument	RP2025-3862
Transaction Type	Transfer
Record Updated	Oct 8, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	786 BURRELL RD, LITTLE FALLS, NY 13365-3716

Tax Assessment & Valuation

Source: Herkimer County and Russia Town assessment roll, as of May 1, 2026

Property Jurisdictions

Type	Name
State	New York
County	Herkimer County
County Subdivision	Russia Town
Municipality	Cold Brook Village
Unified School District	Poland Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,051.00 (-0.1%) Veteran's exemption
2025	$2,053.00 (-42.59%)	$89,500 (-) Land $15,900 Building $73,600	$124,478 (-) Land $22,114 Building $102,364
2024	$3,576.00 (+36.65%) Veteran's exemption	$89,500 (-) Land $15,900 Building $73,600	$124,478 (+4.31%) Land $22,114 Building $102,364
2023		$89,500 Land $15,900 Building $73,600	$119,333 Land $21,200 Building $98,133
2020	$2,617.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	4 in force
Nearby Flood Claims	3 (2019–2026)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2026 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Nov 2019 · 2 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
MIDTEL Fiber	500 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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