Herkimer County and Russia Town property record for 441 Main St, Cold Brook, NY 13324
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 3,080 sqft · built 1910 |
| Lot Size | 0.68 acres (29,621 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $38,000 (Jan 2010) |
| Tax Bill | $2,311 (2026) |
| APN | 214401 088.36-1-25 |
| Primary APN | 214401 088.36-1-25 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 3,080 sqft Total Area |
| 1st Floor Area | 1,540 sqft |
| 2nd Floor Area | 1,540 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 29,621 sqft (0.68 acres) |
| Lot Dimensions | 395 ft deep x 95 ft wide |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 64 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 062003420 |
|---|---|
| Street Address | 441 MAIN ST |
| City | COLD BROOK |
| State | NY |
| Zip | 13324 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 50 |
| Legal Description | N 43 RG HO 6/10 RTE 8 |
| Legal Block | 1 |
| Legal Lot Number | 25.000 |
| Jurisdiction | HERKIMER NY |
| Township / Civil Division | RUSSIA |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 11503 |
441 Main St, a duplex, is owned and occupied by two individuals who bought it in January 2010.
Source: Herkimer County and Russia Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 102, COLD BROOK, NY 13324-0102 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2010 · Amount on File |
| Deed Sale | Jan 12, 2010 · Amount on File |
| Deed Book / Page | 1344 / 343 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 441 Main St was $2,311 with a homeowner's exemption, down 0.2% from the year before.
Source: Herkimer County and Russia Town assessment roll, as of May 1, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,311.00 (-0.17%) Homeowner's exemption | ||
| 2025 | $2,315.00 | $99,300 Land $13,400 Building $85,900 | $138,108 Land $18,637 Building $119,471 |
| 2023 | $99,300 Land $13,400 Building $85,900 | $132,400 Land $17,867 Building $114,533 | |
| 2020 | $3,046.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 441 Main St; there have been 3 flood claims nearby since 2019.
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 |
|
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 risk around 441 Main St 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | POLAND VILLAGE serves 508 people · EPA ID NY2102313 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
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 |
5G (outdoors only) and 4G LTE
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