551 Carpenter Hill Rd, Dryden, NY 13053 Property Records

Cortland County and Harford Town property record for 551 Carpenter Hill Rd, Dryden, NY 13053

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,674 sqft · built 1991
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Tax Bill	$9,028 (2026)
Deeds & Mortgages	Apr 2022 Sale Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`112800 144.00-04-02.000`

Property Details

APN / Parcel Number

Primary APN	`112800 144.00-04-02.000`
Alternative APN	`280014400000040020000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,674 sqft Living Area
1st Floor Area	2,674 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	551 CARPENTER HILL RD
City	DRYDEN
State	NY
Zip	13053
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Block	4
Legal Lot Number	2.000
Jurisdiction	CORTLAND NY
Township / Civil Division	HARFORD
Census Block Group	3
Census Block	3012
Census Tract	971200

Owner

Source: Cortland County and Harford Town records, as of September 23, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	551 CARPENTER HILL RD, DRYDEN, NY 13053
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Executor's Deed, Transfer
Aug 22, 2017	Deed of Trust, Mortgage · Conventional with PMI FIRST NAT'L BK/DRYDEN

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 7, 2022
Transfer Doc	0000002114
Record Updated	Oct 29, 2026

April 2022: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	CORTLAND NY
Recording Date	Apr 11, 2022
Property Address	551 CARPENTER HILL RD, DRYDEN, NY 13053
Document Number	0000002114
Instrument Date	Apr 7, 2022
Instrument	2022-02114
Transaction Type	Transfer
Record Updated	Feb 26, 2024

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 CARPENTER HILL RD, DRYDEN, NY 13053

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Property Address	551 CARPENTER HILL RD, HARFORD, NY 13784
Document Number	0000004032
Instrument Date	Aug 22, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 CARPENTER HILL RD DRYDEN NY 13053, DRYDEN, NY 13053

Mortgage

Document Number	0000004032
Date	Aug 22, 2017
Instrument	4032

Lender

Name	FIRST NAT'L BK/DRYDEN
Type	Bank
Address	DRYDEN, NY 13053

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Aug 21, 2037

Tax Assessment & Valuation

Source: Cortland County and Harford Town assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Cortland County
County Subdivision	Harford Town
Unified School District	Dryden Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,028.00 (+143.6%) Homeowner's exemption Senior Citizen's exemption
2025	$3,706.00 (-2.11%)	$203,800 (-) Land $17,000 Building $186,800	$268,158 (+18.42%) Land $22,368 Building $245,790
2023	$3,786.00 Homeowner's exemption Senior Citizen's exemption	$203,800 Land $17,000 Building $186,800	$226,444 Land $18,889 Building $207,555

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 11, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	7 (2011–2017)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jul 2017 · rainfall accumulation

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

Provider	Max Down / Up (Mbps)
Haefele Connect Fiber	2,000 / 2,000

Cell Coverage

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

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