635 Rte 20, Cairo, NY 12413 Property Records

Greene County and Cairo Town property record for 635 Rte 20, Cairo, NY 12413

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 2023
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$379,000 (Jul 2024)
Tax Bill	$6,284 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Apr 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`192400 65.00-5-4`

Property Details

APN / Parcel Number

Primary APN	`192400 65.00-5-4`
Alternative APNs	`240006500000050040000000` `518929-9606`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	87,120 sqft (2 acres)
Porch	Slab

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	518929-9606
Street Address	635 ROUTE 20
City	CAIRO
State	NY
Zip	12413-2137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Block	5
Legal Lot Number	4.000
Jurisdiction	GREENE NY
Township / Civil Division	CAIRO
Census Block Group	2
Census Block	2003
Census Tract	80502

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Susquehannah Turnpike listed 1974 · 13 contributing resources · NRIS 74001241

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Greene County and Cairo Town records, as of April 21, 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	355 NASHVILLE RD, SARANAC, NY 12981-3413
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2024	Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Apr 9, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2024 · Amount on Record
Deed Sale	Jul 15, 2024 · Amount on Record
Record Updated	Jun 8, 2026

July 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	GREENE NY
Recording Date	Jul 15, 2024
Property Address	635 ROUTE 20, CAIRO, NY 12413-2137
Document Number	0D20241526
Instrument Date	Jul 8, 2024
Instrument	D2024-1526
Transaction Type	Transfer
Record Updated	Apr 3, 2026

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
Address	355 NASHVILLE RD, SARANAC, NY 12981-3413

Mortgage

Document Number	0M20241278
Date	Jul 15, 2024
Instrument	M2024-1278

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GREENE NY
Recording Date	Apr 9, 2018
Property Address	ROUTE 20, CAIRO, NY 12413
Document Number	0020180813
Book / Page	002018 / 000813
Instrument Date	Apr 9, 2018
Transaction Type	Transfer
Record Updated	Jul 2, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	929 SPRING ST PLACERVILLE CA 956674543, PLACERVILLE, CA 95667-4543

Tax Assessment & Valuation

Source: Greene County and Cairo Town assessment roll, as of April 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,284.00	$143,250 (+1,064.63%) Land $19,800 Building $123,450	$409,300 (+1,254.36%) Land $56,573 Building $352,727
2023		$12,300 Land $12,300	$30,221 Land $30,221

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, effective June 2, 2015 · 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	5 in force
Nearby Flood Claims	5 (1999–2020)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Dec 2020 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims

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 93% of the US · lower than 89% of New York
Wildfire Likelihood	Under 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mid-Hudson Cablevision Fiber · Cable	5,000 / 5,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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