656 State St, Binghamton, NY 13901 Property Records

Broome County and Binghamton City property record for 656 State St, Binghamton, NY 13901

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,830 sqft · built 1890
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$139,900 (Sep 2026)
Tax Bill	$4,652 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
APN	`030200 144.36-2-14`

Property Details

APN / Parcel Number

Primary APN	`030200 144.36-2-14`
Alternative APNs	`020014403600020140000000` `00001311600`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	1,830 sqft Living Area
1st Floor Area	1,140 sqft
Upper Floors Area	690 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Stone
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Area	900 sqft
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	440 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00001311600
Street Address	656 STATE ST
City	BINGHAMTON
State	NY
Zip	13901-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	YES
Legal Block	2
Legal Lot Number	14.000
Jurisdiction	BROOME NY
Township / Civil Division	BINGHAMTON
Census Block Group	2
Census Block	2002
Census Tract	400

Owner

Source: Broome County and Binghamton City records, as of September 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	16 CHESTNUT ST, BINGHAMTON, NY 13905-4456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2026 · Amount on Record
Deed Sale	Sep 17, 2026 · Amount on Record
Prior Sale	Sep 15, 2000 · Amount on Record
Deed Document Number	202624856
Deed Book / Page	2837 / 213
Prior Transfer Date	Sep 21, 2006
Prior Transfer Doc	0021630659
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BROOME NY
Recording Date	Sep 17, 2026
Property Address	656 STATE ST, BINGHAMTON, NY 13901-2011
Document Number	0000024856
Book / Page	2837 / 213
Instrument Date	Aug 13, 2026
Instrument	202624856
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	WESTCOR LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56,519.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 CHESTNUT ST, BINGHAMTON, NY 13905-4456

Mortgage

Document Number	0000024857,
Date	Sep 17, 2026
Instrument	202624857

Lender

Name	BAXTER CREDIT UNION

Agreement

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

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Broome County and Binghamton City assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Broome County
Municipality	Binghamton City
Unified School District	Binghamton City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,652.00 (+1.39%) Homeowner's exemption Senior Citizen's exemption
2025	$4,588.00 (+2.18%) Homeowner's exemption Senior Citizen's exemption	$69,900 (-) Land $48,300 Building $21,600	$133,400 (+20.23%) Land $92,178 Building $41,222
2024	$4,490.00
2023		$69,900 Land $48,300 Building $21,600	$110,952 Land $76,666 Building $34,286

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	2 (2011–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2014 · river or lake flooding

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BINGHAMTON serves 47,600 people · EPA ID NY0301651
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 409 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20