592 Cummings Rd, Greene, NY 13778 Property Records

Chenango County and Smithville Town property record for 592 Cummings Rd, Greene, NY 13778

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,568 sqft · built 1990
Lot Size	11.5 acres (500,940 sqft)
Owner	2 Individual Names on Record
Last Sale	$276,000 (Mar 2023)
Tax Bill	$5,134 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Apr 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`083089 214.-1-22`

Property Details

APN / Parcel Number

Primary APN	`083089 214.-1-22`
Alternative APNs	`308921400000010220000000` `0612005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	500,940 sqft (11.5 acres)
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	308 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0612005
Street Address	592 CUMMINGS RD
City	GREENE
State	NY
Zip	13778-2515
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Block	1
Legal Lot Number	22.000
Jurisdiction	CHENANGO NY
Township / Civil Division	SMITHVILLE
Census Block Group	2
Census Block	2019
Census Tract	970802

Owner

Source: Chenango County and Smithville 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	2 Individual Names on Record
Mailing Address	592 CUMMINGS RD, GREENE, NY 13778-2515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION FEDERAL CREDIT UNION
Apr 19, 2023	Deed of Trust, Mortgage · Line of Credit GARDEN SAVINGS FCU
Mar 20, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage GARDEN SAVINGS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2023 · Amount on Record
Deed Sale	Mar 20, 2023 · Amount on Record
Prior Sale	Oct 17, 2007 · Amount on Record
Deed Document Number	2023202300000422
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHENANGO NY
Recording Date	Aug 26, 2026
Property Address	592 CUMMINGS RD, GREENE, NY 13778-2515
Document Number	0000001395
Instrument Date	Aug 12, 2026
Instrument	20261395
Transaction Type	Mortgage
Record Updated	Sep 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	592 CUMMINGS RD, GREENE, NY 13778-2515

Mortgage

Document Number	0000001395,
Date	Aug 26, 2026
Instrument	20261395

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHENANGO NY
Property Address	592 CUMMINGS RD, GREENE, NY 13778-2515
Transaction Type	Mortgage
Record Updated	May 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023000000619
Date	Apr 19, 2023
Instrument	20230-00000619

Lender

Name	GARDEN SAVINGS FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHENANGO NY
Recording Date	Mar 20, 2023
Property Address	592 CUMMINGS RD, GREENE, NY 13778-2515
Document Number	2023000000422
Instrument Date	Jan 19, 2023
Instrument	20230-00000422
Transaction Type	Transfer
Record Updated	Apr 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Tenants by the Entirety
Address	14 CIRCLE DR, MOUNT ARLINGTON, NJ 07856-1025

Mortgage

Document Number	23000000438
Date	Mar 20, 2023
Instrument	230-00000438

Lender

Name	GARDEN SAVINGS FCU

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Chenango County and Smithville Town assessment roll, as of May 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,134.00 (-36.75%)
2025	$8,117.00	$130,400 (-) Land $34,600 Building $95,800	$213,770 (+19.67%) Land $56,721 Building $157,049
2023		$130,400 Land $34,600 Building $95,800	$178,630 Land $47,397 Building $131,233

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 November 26, 2010 · 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

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

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

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