Delaware County and Colchester Town property record for 59 Union St, Downsville, NY 13755
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100,000 (Sep 2021) |
| Tax Bill | $1,304 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 122400 358.2-1-26 |
| Primary APN | 122400 358.2-1-26 |
|---|---|
| Alternative APNs |
|
| Lot Area | 5,663 sqft (0.13 acres) |
|---|---|
| Lot Dimensions | 91 ft deep x 44 ft wide |
| Account Number | 05601333009 |
|---|---|
| Street Address | 59 UNION ST |
| City | DOWNSVILLE |
| State | NY |
| Zip | 13755 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIV 63 GL36 LOT 19 W LOCKHART RUSSELL |
| Legal Block | 1 |
| Legal Lot Number | 26.000 |
| Jurisdiction | DELAWARE NY |
| Township / Civil Division | COLCHESTER |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 971300 |
Source: Delaware County and Colchester Town records, as of October 7, 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 | 59 UNION ST, DOWNSVILLE, NY 13755 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 14, 2026 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK |
| Sep 24, 2021 | Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 24, 2021 · Amount on Record |
| Deed Sale | Sep 24, 2021 · Amount on Record |
| Prior Sale | May 2, 2012 · Amount on Record |
| Deed Document Number | 20217159 |
| Deed Book / Page | 1685 / 45 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE NY |
| Recording Date | Sep 14, 2026 |
| Property Address | 59 UNION ST, DOWNSVILLE, NY 13755 |
| Document Number | 0000005799 |
| Book / Page | 2587 / 90 |
| Instrument Date | Sep 1, 2026 |
| Instrument | 20265799 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000005799, |
|---|---|
| Date | Sep 14, 2026 |
| Book Page | 2587/90 |
| Instrument | 20265799 |
| Name | COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | DELAWARE NY |
| Recording Date | Sep 24, 2021 |
| Property Address | 59 UNION ST, DOWNSVILLE, NY 13755 |
| Document Number | 1685/45 |
| Book / Page | 1685 / 45 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 7159 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12966 STATE HIGHWAY 30, DOWNSVILLE, NY 13755-3034 |
| Document Number | 7160 |
|---|---|
| Date | Sep 24, 2021 |
| Instrument | 7160 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Delaware County and Colchester Town assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Delaware County |
| County Subdivision | Colchester Town |
| Unified School District | Downsville Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,304.00 (+0.23%) | ||
| 2025 | $1,301.00 (+5.52%) | $2,000 (-) Land $500 Building $1,500 | $50,000 (-) Land $12,500 Building $37,500 |
| 2023 | $2,000 Land $500 Building $1,500 | $50,000 Land $12,500 Building $37,500 | |
| 2020 | $1,233.00 |
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.
Source: FEMA National Flood Hazard Layer, effective October 13, 2025 · 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 |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 36 (1984–2011) |
| Claims Outside the SFHA | 1 of 36 |
| Most Recent Claim | Sep 2011 · rainfall accumulation |
| Claims by Event |
|
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.
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 | DOWNSVILLE WATER DISTRICT serves 617 people · EPA ID NY1200258 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Apr 2023 |
| Lead | 2 ppb (2024) action level 15 ppb |
| Copper | 2.27 mg/L (2020) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| MTC Cable Cable | 1,000 / 50 |
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