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45 W Main St, Bainbridge, NY 13733 Property Records

Chenango County and Bainbridge Town property record for 45 W Main St, Bainbridge, NY 13733 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,458 sqft · built 1927
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on File
Last Sale$110,000 (Oct 2022)
Tax Bill$3,156 (2025)
Deeds & MortgagesJun 2017 Line of Credit
Oct 2022 Sale
Flood ZoneZone X (minimal risk)
APN082201 265.06-2-49

Property Details

APN / Parcel Number

Primary APN082201 265.06-2-49
Alternative APNs
  • 220126506000020490000000
  • 0210668

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,458 sqft Living Area
1st Floor Area972 sqft
Upper Floors Area486 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1927
Effective Year BuiltEffective 1960
Architectural StyleTraditional
Exterior MaterialWood
Lot Area7,405 sqft (0.17 acres)
Lot Width52 ft Width
PorchSlab
Porch Area260 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number0210668
Street Address45 W MAIN ST
CityBAINBRIDGE
StateNY
Zip13733-1133
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block2
Legal Lot Number49.000
JurisdictionCHENANGO NY
Township / Civil DivisionBAINBRIDGE
Census Block Group2
Census Block2039
Census Tract970801

Owner

Source: Chenango County and Bainbridge Town records · APN 082201 265.06-2-49

Assessment roll updated May 12, 2026 · Last verified May 2026

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

Owner of Record2 Individual Names on File
Mailing Address45 W MAIN ST, BAINBRIDGE, NY 13733-1133
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 27, 2017Deed of Trust, Mortgage · Line of Credit
SIDNEY FEDERAL CREDIT UNION
Oct 17, 2022Deed, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 17, 2022 · Amount on Record
Deed SaleOct 17, 2022 · Amount on Record
Prior SaleOct 03, 2012 · Amount on Record
Deed Document Number20221882
Prior Transfer DateJun 02, 2003
Prior Transfer Doc2003001077
Record UpdatedJun 08, 2026

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHENANGO NY
Property Address45 W MAIN ST, BAINBRIDGE, NY 13733-1133
Transaction TypeMortgage
Record UpdatedNov 08, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001248
DateJun 27, 2017
Instrument170-00001248
Lender
NameSIDNEY FEDERAL CREDIT UNION
TypeCredit Union
Agreement
TypeLine of Credit
AmountAmount Recorded

October 2022: Deed, Transfer

Document TypeDeed
JurisdictionCHENANGO NY
Recording DateOct 17, 2022
Property Address45 W MAIN ST, BAINBRIDGE, NY 13733-1133
Document Number2022000001882
Instrument DateSep 14, 2022
Instrument20220-00001882
Transaction TypeTransfer
Record UpdatedNov 08, 2022

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address527 GRANVILLE HILL HARDSCRABBLE RD, SHERBURNE, NY 13460-4002

Tax Assessment & Valuation

Source: Chenango County and Bainbridge Town records · Assessment roll updated May 12, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateNew York
CountyChenango County
County SubdivisionBainbridge Town
MunicipalityBainbridge Village
Unified School DistrictBainbridge-Guilford Central School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,156.00$90,300 (-) Land $13,300 Building $77,000$132,794 (+17.65%) Land $19,559 Building $113,235
2023$90,300 Land $13,300 Building $77,000$112,875 Land $16,625 Building $96,250

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Chenango County (36017C), updated November 26, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360179708012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 13 individual NFIP policies nearby
Nearby Flood Policies13 in force
Nearby Flood Claims16 (2006–2014)
Claims Outside the SFHA12 of 16
Most Recent ClaimJun 2014, other causes
Claims By Storm
  • Remnants Of Tropical Storm Lee, Sep 2011 · 12 claims
  • Severe Storms And Flooding, Jun 2006 · 3 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 55% of New York
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 291 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 50
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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