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5985 River Rd, Downsville, NY 13755 Property Records

Delaware County and Colchester Town property record for 5985 River Rd, Downsville, NY 13755 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Lot Size0.36 acres (15,682 sqft)
OwnerIndividual Name on File
Last Sale$80,000 (Feb 2013)
Tax Bill$1,821 (2025)
Deeds & MortgagesJul 2026 Mortgage
Aug 2021 Refinance
Flood ZoneZone AE (high risk)
APN122400 358.-1-24

Property Details

APN / Parcel Number

Primary APN122400 358.-1-24
Alternative APNs
  • 24003580000001024000
  • 05600812009

Exterior

Lot Area15,682 sqft (0.36 acres)
Lot Dimensions160 ft deep x 113 ft wide

Location & Zoning

Account Number05600812009
Street Address5985 RIVER RD
CityDOWNSVILLE
StateNY
Zip13755-3621
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGL 5 LOT 5
Legal Block1
Legal Lot Number24.000
JurisdictionDELAWARE NY
Township / Civil DivisionCOLCHESTER
Census Block Group3
Census Block3036
Census Tract971300

Owner

Source: Delaware County and Colchester Town records · APN 122400 358.-1-24

Assessment roll updated April 21, 2026 · Last verified April 2026

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

Owner of RecordIndividual Name on File
Mailing Address5985 RIVER RD, DOWNSVILLE, NY 13755-3621
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 27, 2026Deed of Trust, Mortgage
COMMUNITY BANK
Aug 13, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
COMMUNITY BANK NA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 21, 2013 · Amount on Record
Deed SaleFeb 21, 2013 · Amount on Record
Prior SaleDec 16, 2010 · Amount on Record
Deed Book / Page1373 / 132
Prior Transfer DateAug 28, 2006
Prior Transfer Doc0000001154/000000020
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDELAWARE NY
Recording DateJul 27, 2026
Property Address5985 RIVER RD, DOWNSVILLE, NY 13755-3621
Document Number0000004467
Book / Page2579 / 257
Instrument DateJun 26, 2026
Instrument20264467
Transaction TypeMortgage
Record UpdatedAug 19, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address5985 RIVER RD, DOWNSVILLE, NY 13755-3621

Mortgage

Document Number0000004467,
DateJul 27, 2026
Book Page2579/257
Instrument20264467
Lender
NameCOMMUNITY BANK
Agreement
AmountAmount Recorded
Term240 Months
DueAug 01, 2046
Interest
Rate6.53%
Max Rate-1%

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDELAWARE NY
Property Address5985 RIVER RD, DOWNSVILLE, NY 13755-3621
Transaction TypeMortgage
Record UpdatedSep 07, 2021
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number2323/200
DateAug 13, 2021
Book Page2323/200
Instrument6004
Lender
NameCOMMUNITY BANK NA
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term121 Months
DueSep 01, 2031

Tax Assessment & Valuation

Source: Delaware County and Colchester Town records · Assessment roll updated April 21, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateNew York
CountyDelaware County
County SubdivisionColchester Town
Unified School DistrictDownsville Central School District (KG - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,821.00 (+25.85%)$2,800 (-) Land $500 Building $2,300$70,000 (-) Land $12,500 Building $57,500
2023$2,800 Land $500 Building $2,300$70,000 Land $12,500 Building $57,500
2020$1,447.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Delaware County (36025C), updated October 13, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360259713003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 15 individual NFIP policies nearby
Nearby Flood Policies15 in force
Nearby Flood Claims36 (1984–2011)
Claims Outside the SFHA1 of 36
Most Recent ClaimSep 2011, rainfall accumulation
Claims By Storm
  • Hurricane Irene, Aug 2011 · 4 claims
  • Severe Storms And Flooding, Jul 2006 · 18 claims
  • Tropical Depression Ivan, Sep 2004 · 6 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 55% of New York
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 5 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
MTC CableFiber1,000 / 1,000
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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