493 Main St, Cairo, NY 12413 Property Records

Greene County and Cairo Town property record for 493 Main St, Cairo, NY 12413

Property Summary

Property Type	Triplex
Details	4 bd · 3 ba · 2,731 sqft · built 1910
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on Record
Last Sale	$550,000 (May 2024)
Tax Bill	$9,470 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`646542-4740`

Property Details

APN / Parcel Number

Primary APN	`646542-4740`
Alternative APNs	`240010100900010210000000` `192400 101.09-1-21` `845522-8070`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,731 sqft Total Area
1st Floor Area	1,543 sqft
2nd Floor Area	955 sqft
Upper Floors Area	233 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2022
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	26,136 sqft (0.6 acres)
Porch	Slab
Porch Area	381 sqft
Canopy	1,058 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	845522-8070
Street Address	493 MAIN ST
City	CAIRO
State	NY
Zip	12413
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	01 - NOT Z
Legal Block	1
Legal Lot Number	21.000
Jurisdiction	GREENE NY
Township / Civil Division	CAIRO
Census Block Group	3
Census Block	3016
Census Tract	80502

Owner

Source: Greene County and Cairo Town records, as of April 22, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	493 MAIN ST, CAIRO, NY 12413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2021	Deed of Trust, Mortgage · ARM UNITY BANK
Dec 16, 2021	Warranty Deed, Transfer
Mar 31, 2021	Warranty Deed, Transfer
Sep 17, 2020	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2024 · Amount on Record
Deed Sale	May 22, 2024 · Amount on Record
Prior Sale	Sep 17, 2020 · Amount on Record
Deed Document Number	2024D2024-1110
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE NY
Property Address	493 MAIN ST, CAIRO, NY 12413
Transaction Type	Mortgage
Record Updated	Mar 15, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M20214645
Date	Dec 16, 2021
Instrument	M2021-4645

Lender

Name	UNITY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	229 Months
Due	Jan 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Dec 1, 2026
Index	1-Year CMT

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENE NY
Recording Date	Dec 16, 2021
Property Address	493 MAIN ST, CAIRO, NY 12413
Document Number	0D20213679
Instrument Date	Nov 30, 2021
Instrument	D2021-3679
Transaction Type	Transfer
Record Updated	Jan 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 FAITH LN, ARDSLEY, NY 10502-2529

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENE NY
Recording Date	Mar 31, 2021
Property Address	493 MAIN ST, CAIRO, NY 12413
Document Number	00D2021964
Instrument Date	Feb 25, 2021
Instrument	D2021-964
Transaction Type	Transfer
Record Updated	Jan 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 FAITH LN, ARDSLEY, NY 10502-2529

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GREENE NY
Recording Date	Sep 17, 2020
Property Address	493 MAIN ST, CAIRO, NY 12413
Document Number	0000001887
Instrument Date	Jul 23, 2020
Instrument	1887
Transaction Type	Transfer
Record Updated	Oct 20, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	28 FAITH LN ARDSLEY NY 105022529, ARDSLEY, NY 10502-2529

Tax Assessment & Valuation

Source: Greene County and Cairo Town assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	New York
County	Greene County
County Subdivision	Cairo Town
Unified School District	Cairo-Durham Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,470.00	$212,000 (+30.06%) Land $12,300 Building $199,700	$605,700 (+51.24%) Land $35,142 Building $570,558
2023		$163,000 Land $12,300 Building $150,700	$400,491 Land $30,221 Building $370,270

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, effective June 2, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	14 (1980–2011)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 6 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CAIRO WATER DISTRICT serves 1,400 people · EPA ID NY1900025
Water Source	Groundwater influenced by surface water
Last State Inspection	Jul 2025
Lead	3 ppb (2023–2025) action level 15 ppb
Copper	1.56 mg/L (2021) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Failure to filter resolved · Jul 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mid-Hudson Cablevision Fiber · Cable	5,000 / 5,000

Cell Coverage

5G and 4G LTE (outdoors only)

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