523 Grant Rd, Cold Brook, NY 13324 Property Records

Herkimer County and Russia Town property record for 523 Grant Rd, Cold Brook, NY 13324

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.5 ba · 2,961 sqft · built 1941
Lot Size	7.3 acres (317,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Oct 2023)
Tax Bill	$6,634 (2026)
Deeds & Mortgages	Oct 2023 Sale Mar 2022 Refinance
APN	`214489 083.4-1-20`

Property Details

APN / Parcel Number

Primary APN	`214489 083.4-1-20`
Alternative APNs	`448908300400010200000000` `060028410`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,961 sqft Living Area
1st Floor Area	2,203 sqft
2nd Floor Area	480 sqft
Upper Floors Area	278 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	317,988 sqft (7.3 acres)
Lot Dimensions	450 ft deep x 763 ft wide
Garage Type	Detached
Garage Area	667 sqft
Parking Spaces	2 Parking Spaces
Canopy	540 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	060028410
Street Address	523 GRANT RD
City	COLD BROOK
State	NY
Zip	13324-2512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	46
Legal Description	LOT 84 ROYAL GRANT VACANT LAND GRANT
Legal Block	1
Legal Lot Number	20.000
Jurisdiction	HERKIMER NY
Township / Civil Division	RUSSIA
Census Block Group	2
Census Block	2054
Census Tract	11503

Owner

Source: Herkimer County and Russia Town records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	523 GRANT RD, COLD BROOK, NY 13324-2512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Warranty Deed, Transfer
Mar 24, 2022	Quit Claim Deed, Transfer · Stand-Alone Refinance AMERICU CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2023 · Amount on Record
Deed Sale	Oct 16, 2023 · Amount on Record
Prior Sale	Jul 21, 2006 · Amount on Record
Deed Document Number	2023RP2023-4725
Prior Transfer Date	Mar 17, 2022
Prior Transfer Doc	0020221562
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERKIMER NY
Recording Date	Oct 16, 2023
Property Address	523 GRANT RD, COLD BROOK, NY 13324-2512
Document Number	RP20234725
Instrument Date	Sep 1, 2023
Instrument	RP2023-4725
Transaction Type	Transfer
Record Updated	Mar 21, 2024

Transaction

Amount	Amount Recorded
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
Address	27 AQUA RA DR, JENSEN BEACH, FL 34957-2623

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERKIMER NY
Recording Date	Mar 24, 2022
Property Address	523 GRANT RD, COLD BROOK, NY 13324-2512
Document Number	RP20221562
Instrument Date	Mar 17, 2022
Instrument	RP2022-1562
Transaction Type	Transfer
Record Updated	Mar 21, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 GRANT RD, COLD BROOK, NY 13324-2512

Mortgage

Document Number	RP20221563
Date	Mar 24, 2022
Instrument	RP2022-1563

Lender

Name	AMERICU CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

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
Unified School District	Poland Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,634.00 (-0.27%)
2025	$6,652.00	$298,000 (+73.26%) Land $22,700 Building $275,300	$414,465 (+80.73%) Land $31,572 Building $382,893
2023		$172,000 (-) Land $22,700 Building $149,300	$229,333 (+13%) Land $30,267 Building $199,066
2022	Homeowner's exemption	$172,000 Land $22,700 Building $149,300	$202,950 Land $26,785 Building $176,165
2020	$3,435.00

Assessed value is set for property tax purposes, not a market price estimate; it is 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	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

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MIDTEL Fiber	500 / 100
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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