Herkimer County and Russia Town property record for 492 Main St, Cold Brook, NY 13324
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,120 sqft · built 1968 |
| Lot Size | 0.598 acres (26,080 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $6,500 (Jan 2016) |
| Tax Bill | $815 (2026) |
| APN | 214401 089.21-1-27 |
| Primary APN | 214401 089.21-1-27 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 26,080 sqft (0.598 acres) |
| Lot Dimensions | 163 ft deep x 160 ft wide |
| Shed | 1 Shed |
| Canopy | 336 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 062004030 |
|---|---|
| Street Address | 492 MAIN ST |
| City | COLD BROOK |
| State | NY |
| Zip | 13324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 50 |
| Legal Description | LOT #51 RG TRL 0.49 ACRE ROUTE NO 8 |
| Legal Block | 1 |
| Legal Lot Number | 27.000 |
| Jurisdiction | HERKIMER NY |
| Township / Civil Division | RUSSIA |
| Census Block Group | 2 |
| Census Block | 2072 |
| Census Tract | 11503 |
492 Main St is owned by two individuals who bought it in January 2016.
Source: Herkimer County and Russia Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 166, COLD BROOK, NY 13324-0166 |
| 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 19, 2016 · Amount on File |
| Deed Sale | Jan 19, 2016 · Amount on File |
| Deed Book / Page | 1594 / 786 |
| Prior Transfer Date | Feb 18, 2008 |
| Prior Transfer Doc | 0000001262/000000060 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 492 Main St was $815, down 0.1% 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 | $815.00 (-0.12%) | ||
| 2025 | $816.00 | $35,000 Land $12,600 Building $22,400 | $48,679 Land $17,524 Building $31,155 |
| 2023 | $35,000 Land $12,600 Building $22,400 | $46,667 Land $16,800 Building $29,867 | |
| 2020 | $1,365.00 |
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 492 Main St; there have been 1 flood claim 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 | 2 in force |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2019 · Severe Storms, Straight-line Winds, And Flooding |
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 492 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 and 4G LTE (outdoors only)
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